<prompt> Human: This morning I decided Id chat with AMEX to find out why my interest rate went 15.00 to 15.25 even though I pay in full each month. The answer is the fed raised the interest rate. So I asked how I could negotiate a lower rate and he came back with 8.25 prime so I think 11.25 tbh it could be 9.25 I didnt write it down and it was early.It was nice that I didnt actually have to talk with anyone - I just used their instant message function. It looks like the same thing happened on another card, so Im going to reach out to them. I hope you benefit from this as well. It really is the principal of it.  <response>: It really is the principal of it.Good pun, intentional or not. 