<prompt> Human: Hi there. I opened my Disney Chase card in 2006. I have an 1837; APR and called today because I realized my APR hasnt changed in over 10 years. They offered to increase my credit limit, but that I always get the best APR. I have several credit cards with 0 balance that have lower APRs. I love to travel, so I usually jump around between which credit card I am focuses on within one particular year so that I may gain points for my trip upcoming trip: Disney World. So my Disney Chase card wasnt used much, if at all, for the past 3 years. I did a Google search and consensus has been that Chase wont budge on APR. I am considering canceling my card after this next Disney trip if they wont lower the APR, especially since this is my only card that ever has issues with fraudulent charges. Has anyone tried canceling a Chase card and had them offer anything to stay?Assistant: Why do people play these games with APR? You should only care about the APR if youre being irresponsible and running up a balance. If youre using your credit card as your emergency fund, thats not good. Human: YOLO, dude. My credit score is 800, I always pay off all of my credit cards within a few months, being I travel and put on things like airplane tickets and hotel stays. I think having 1k in credit card debt and a reasonable savings isnt being irresponsible. And the excuse, well, you shouldnt be using your credit card enough for an APR to matter! isnt exactly helpful, except to credit card companies.  <response>: You realize that any points you are earning towards travel are effectively negated by the interest you are paying by running a balance, right? 