<prompt> Human: I contacted my credit card company today to discuss lowering my interest rate, but they refused. I have paid on this card without ever being late, but am carrying a revolving balance. I currently owe 1700 and the limit is 2000. I recently sold a home and no longer have a mortgage as well as paying off 2 other credit cards this month.Should I try to find a card with a balance transfer promotion andor a lower interest rate to pay this off faster? It is not a reward card of any kind and Ive had it for an extended period of time.  <response>: Pay the balance off. Ignore the interest rate. Never run a balance.Problem solved.In general, the more the bank can make money from people who do run a balance, the more they can pay you in rewards even when you dont run a balance. 