<prompt> Human: Everytime someone submits a post seeking advise on attacking credit card debt, there are always comments that encourage OP to call and ask for a rate reduction. Certainly if you dont ask, it will never happen; but I feel like this is incredibly outdated advise and is kind of an rpf circlejerk. Each card comes with explicit T.O.S. and a CC company has zero incentive to lower the rate.So tell me, in the last 5 years has anyone successfully obtained an interest rate reduction on a credit card with a balance?EDIT: Ok, there are a couple good arguments where there are incentives to lower rates. CCs are a business, and as such must compete for customers who can get a cheap balance transfer with a competetor.All the arguments make sense, but Im still genuinely curious as to whether anyone has actually successfully done it.  <response>: I think the standard advice here is not to carry a balance in the first place. 