<prompt> Human: I just did this with Capital One. It took five minutes via their online chat system and they are cutting the rate to about half of what it was for 8 months while I pay it down.Its worth the five minutes to save yourself some money!Edit: Ill provide the numbers for those who wanted them. Just under 10k balance, rate went from 16.04 to about 8.  <response>: If you have credit card debt. If you dont have credit card debt, contact them about raising your credit limit. This will reduce your utilization percentage and increase your credit score. 