<prompt> Human: Even after asking for a round of lower rates to my current cards, my best rate I have is my DiscoverIT card at 14.8, which still seems insane.Its not that I keep a balance or anything on my cards, but shit happens in life and in the event I ever do need to use them and not able to pay them immediately I would like a much lower rate.Any suggestions? Id hate to open up a new card but it doesnt seem like i can get them any lower with my current cards that ive had for years and years. How is it that I have a 3 car loan and 3.5 mortgage loan for thousands and thousands of dollars but i cant get a measly credit card under 14?  <response>: Theyre credit cards. They have high APRs. Most CC companies dont offer interest at student loan or car loan rates. 