<prompt> Human: This has been posted countless times before but no one really understands how powerful this can be by helping you reduce your debt. I just got my 17 Capital One Quick Silver reduced to 7 just by asking.Here is the phone number to top name cards to get you guys started. JUST ASK.Backdoor Numbers - 90 of the time direct connection to decision makers. Amex: 800-528-4800 Rate reduction line Citi EO for the Citi Cards division: 605-331-1698 Barclays: 888-232-0780 Customer Care BofA: PENDING UPDATE Cap1: 800-889-9939 or 800-625-7866.Account Specialist Chase: PENDING UPDATE Discover: 866-219-0214 Retention Dept. HSBC: 866-551-0258 Credit Analyst Synchrony: except WalMart: 866-419-4096 Synchrony: 866-519-6441 Credit AnalystCredit Solutions Wells Fargo: 800-967-9521 credit card underwritingTL;DR - Call your credit company and ask them for reduced APR. Some will just gladly do it. The numbers above is direct access to common banks.Assistant: Or better yet, pay off your balance in full every month and use their generous rewards programs to your advantage. If you really must carry a balance the Chase Slate has an introductory 0 APR offer. The 0 APR lasts for 15 months. Human: Thats for sure better advice brother. Just helping those who cant pay it off fully out.  <response>: Thanks Mr. Hogan. 