<prompt> Human: I was looking to buy someone a book for their birthday, and reading it I stumbled across the hey, getting a lower APR only takes 5 minutes section.I have four cards, all with no balance. I decided to see what I could do with the card with the highest APR 16.99, with my others being between 12.24 and 14.24.Here was my script...---Hey, Im about to make a large furniture purchase in the next week or so true!, and I was wondering if I could possibly get a lower APR so I could just use this card, instead of splitting the transaction across several of my lower APR cards not true, its going on a rewards card with a 0 APR promo that Ill pay off in the next month.Sure, let me transfer you to an account specialist to see if we can get you lower rate with one of our promotions.Hi, Im account specialist. How can I help you?I repeat previous lineSure, let me see what I can do for you. First, let me tell you about Promo X and Promo Y for things youre probably not interested in.Yeah, not interested in that for reason X. Id just like for you to give me the best possible APR for my card.I can immediately lower your interest rate by 1.75 APR, effective immediately, which would reduce your interest rate on purchases to 15.24. recites terms---Thats it. Phone says the duration of the call was 5 minutes. Even if you have a balance and are paying off debt, this still probably has a 5050 chance of working. Just keep asking them for a lower rate. Worst case, they say no and youve wasted 5, maybe 10 minutes of your time.  <response>: Reminder: Not carrying a balance on your credit card means you pay no interest, and has a 100 chance of success. 