<prompt> Human: I have 2 CCs, one from a CU back home and one from my CU near where I attend school. My CC from back home was when I was 18 and had no credit history so it sits about 17.9 and my newer one is only 9. Is there a way I can negotiate with my older bank to match the newer one? I understand it really doesnt matter given that if I pay off each one on time theres no interest anyways. But just for security purposes in case I ever run into a situation where I cant immediately pay it off. I generally use the lower interest card, but again for security purposes is it possible to get my rate adjusted for the older more expensive card?  <response>: Yes, you can ask them. You could ask them basically anything youd like. It doesnt mean theyll do it - but asking does not hurt. 