<prompt> Human: Currently, I have a credit card with a 29.9 interest rate. I am paying the minimum on that card, which amounts to only 1 of the actual balance after considering interest. I called them today and use some of the tips on here, and what I read on iwillteachyoutoberich, and unfortunately none of the worked. I told them that I have been a customer for 16 years, made all of my payments on time, and have offers from other companies. They just kept saying we cannot offer a lower interest rate at this time. It is a bank credit card, which is powered by Visa. Does anyone have any advice?  <response>: Find a new credit card with a promotional balance transfer and 0 interest? 