<prompt> Human: I just got approved for a new credit card Amazon Prime Store, and the APR is 22.99. My credit is good, but this seems high. Is there a rule of thumb? Can I call and negotiate it down? Thanks in advance for help!  <response>: Credit cards interest rates are not influenced by your credit score all that much.You can specifically target low-interest cards where you score will matter these cards usually have no or minimal rewards structure. Typically rewards cards all have high interest, its how the system works. The CC companies get you to sign up for the rewards, you overspend, end up carrying a balance and while you collect your 1 - 5 rewards the CC company collects their 20.The most important take away here? DO NOT LEAVE A BALANCE ON YOUR CARD. Pay your full statement balance by the statement due date!!!In other words the interest rate on your CC should be completely IRRELEVANT to you in your decision to sign up for a card. Because if you are smart, youll never carry a balance. 