<prompt> Human: I called Chase and said that I was thinking of transferring my balance to a 0 APR credit card that I have been pre-approved for and asked if they would consider lowering my APR. Im currently at 18.24 I have a balance around 9k on a card with a 12k limit, most recent purchases related to a job change and a temporary move overseas. I havent made any purchases on the card in about 4 months. I pay well over the minimum balance every month, but I am not in a position to pay it all off at this time. I am employed. I make about 65k per year. I have a credit score over 740 with all three credit agencies. And the woman I spoke to said that they dont lower APRs. Period. And that my rate wouldnt be up for review for at least six months. She said they would be sad to see me go as a customer, but I should just do whatever is best for me - even if that means transferring my entire balance. I was kind of floored. I really dont want or need another line of credit. But now it seems like getting a second credit card with a 0 APR is my best choice. Should I try calling Chase again? Try another tactic? Any advice would be appreciated.  <response>: Why would someone earning 65k a year have credit card debt losing 18 interest? Couldnt you just pay 9k in debt off in just a few months? Surely you must have investments getting nowhere near 18 in interest to offset this. Move any money currently earning you under 18 interest to pay off that -18 interest debt. 