<prompt> Human: Hi everyone,I feel stupid for asking this question. Ive had my credit cards for some time and my checking account for over a decade. I also have a credit union account thats unassociated with those cards.I feel like I can probably get the interest rates on my cards lowered which is great because Im currently a TA in grad school and my credits taken a hit because of moving costs, etc. My question is: How do you ask for an interest decrease? Do I just call them up and say, Hey, how do you feel about lowering that some? Like, I get the ideas in the macro sense but the execution is confounding me a bit and was looking for any tips yall might have. I dont have any money so threatening to close down my big, bad account of 400 isnt exactly a threat, lol. Ive lowered medical payments by showing them my financial situation but I feel like that strategy isnt going to go very well with Chase. Sorry if this has already been covered, I feel like I went through the wikisearch fairly decently and didnt see what I was looking for.Thank you for any help!  <response>: Anytime Ive tried, they said the only option is to apply for a new line. This was chase and capital one. 