<prompt> Human: I spend a crap ton of money on one of my cards Barclaycard US for my business and typically carry a decent balance from month to month. Most months Im able to pay off last months purchases and I avoid paying interest, but sometimes I have some larger purchases that take a few months to pay down. Getting hit with those high interest charges can take your breath away!I have a very good relationship with Barclaycard US so I decided to call them up and see if theyd lower my rate down from 25.24. I had no clue if they would or could.Apparently you may have offers that go onto your account after they do a review of your account they do this automatically 2-3 times a year, I was told. They will NOT notify you in any way shape or form of this offer and you have to actually call in and ask them. They told me that all cc companies do this, but your mileage may vary.They reduced my rate from 25.24 to 21.24. Not a huge decrease IMO, but it will still save me a bunch of money. Ill start asking them twice a year or so, probably when I ask for a CL increase. TL;DR: call and ask your cc companies to lower your interest rates if you carry a balance. They just might!Edit: I sell and repair appliances and typically spend over 10,000month or more on my cards between purchasing materials and inventory. I pay this off usually within the month so I dont pay interest. Sometimes a special deal comes up from a vendor where I might want to buy an extra 10,000 in inventory for stock and sell it at a later date to make much better profit. I am still building my inventory and showroom displays, so until I finish in will be purchasing more appliances than I sell.Carrying a balance in those instances is good short term option since I do not have any lines of credit from a bank. I need to get one, working on my books and whatnot in preparation of going to a bank.  <response>: Yeah - dont carry a balance. This is not good advice and could have been written by a CC lender. They would love for you to go this route. 