<prompt> Human: I have one credit card, my first, and Ive been very diligent in my payments and responsible in using it. I didnt have to worry about APR for the first 9 months, but last week I called to see what the APR is and when it kicks in and was told my APR is a whopping 24 and begins February 10th. I decided to ask about lowering my interest rate and the representative told me that they couldnt even see what lower rates they could offer because my interest actually has to go into effect first. Is this correct or are they just giving me the run-around? Do I really have to take the 24 hit first and then negotiate? I should also mention that this will be the only month Ill ever have to pay interest. Last month simply got away from me with bills and every month until then has been paid in full. Thanks in advance!  <response>: Sure, it could be true. Pay your statement balance in full each month and then you wont have to worry about the interest rate, because youll never pay it. 