<prompt> Human: So i have a credit through chase with a 19 rate, ive hade the card for 10 years and ive never missed a payment. So now im about to pay off my balance and i figured i should ask to get my rate lowered. So my question is what percentage would be reasonable for me to ask for after 10 years  <response>: You can ask whatever you want, but they are unlikely to do anything more than a token reduction of a point or two, if that.This is how they make money. You dont have to pay interest. 