<prompt> Human: I currently have a CC with an interest rate 17.99. I know I can get a better rate with another company, but I plan on seeing if they will lower the rate if theyd like to keep me as a customer.Im not sure exactly what rate I should be shooting for or if there is anything I should be aware of before I call in. Tipssuggestions would be appreciated. Thank you!Edit: Unfortantely Im carrying a balance because I ran into some issues in the past and it was necessary. Im now in a much better financial state and want to pay off the debt as soon as possible.  <response>: If you care about your credit card interest rate, you are using your credit card wrong.You either need to PAY IN FULL every month no exceptions, or not have a credit card. 