<prompt> Human: Ive had a Chase Disney Visa for a few years with a high balance on it and a 17.49 APR. Theyve been sending me letters to up my credit limit, but I would prefer to lower the APR. The rep I spoke to gave me the brush off, said shed put a permanent note in my file about lowering the APR, and that the marketing team would review it. Any feedback on how best to proceed on getting the APR reduced?Background -- I pay more than the minimum each month and occasionally send in a big payment a few hundred to several thousand dollars. Ive decided to move forward with sending them 4 large payments to drop the balance to zero.  <response>: They wont change your APR. 