<prompt> Human: My name is Samuel and I am a college student in Oklahoma. I currently have two Chase cards. A Slate and a Freedom. I paid off the balance of the Slate card last month. I now have a 700 balance on my Freedom card. I am not worried about paying it off or anything, but I was thinking of transferring that balance to another credit card company. Currently my APR is 22.99 which I feel is too high. I have a credit score of 707, and have credit history dating back 4 years. I would really like to stay with chase, since thats who I bank with personally and paying my bill would be easy. Is it possible to ask Chase for a lower APR or am I better just transferring the balance to another institution.  <response>: If you never carry a balance on your credit cards, i.e. you use credit cards correctly and only buy things with credit cards that you can afford, interest rate is irrelevant. 