<prompt> Human: Hi guys! Basically, I just paid off all the balances on my credit cards 5000, 2000 and 1500 very recently. But I havent really been using any of them for at least a year and a half, other than an occasional purchase here or there, because my interest rates are insane! When the economy tanked, my interest rates skyrocketed I got a letter from one bank saying they supposedly raised rates across the board and the other bank said it was because my balance was too high at 70 utilization. All three went from 14 to 29.99. Now that I paid off all the balances, I want to start using these cards again. Im not too keen on closing them since Ive had them for such a long time, at around 5-9 years. My credit score is 728 so its pretty good-ish. Would it raise flags if I called the companies and asked them to lower my interest rates so that I could start chargingraising my credit? Ive heard of CC companies closing accounts because they were going unused and I dont want that, but cmon-- 29.99 is RIDICULOUS AND I REFUSE. Help, please!? Much appreciated!  <response>: But I havent really been using any of them for at least a year and a half, other than an occasional purchase here or there, because my interest rates are insane!If you are not carrying balances, the interest rate doesnt matter.If you are carrying balances, you should not have credit cards. 