<prompt> Human: My credit score has drastically improved in the last month and is now excellent 780. I paid off cards with a consolidation. I dont intend to use cards any more, but would like to keep them for emergencies. How do I go about getting better rates on these cards? Do I just call and ask? Some of these old cards had 20 rates.  <response>: If you pay it off every time, you get 0 interest. Doesnt get lower than that 