<prompt> Human: I got a Discover card when I turned 20 to help me start building some credit for the future. It worked well and dandy but now at 29 Im still getting a crappy 19.99APR on purchases. This is my only CC as I just use debit for everything. Im not spending the money if I dont have it. Usually try to keep the balance on the card around 200. Gas or Amazon on occasion. I think only once in 9 years has it been over 1000. Anyways I called Discover today to ask if theyd lower my rate and she told me the best they could do is 17.24. Seems high doesnt it? I asked her what you have to do to qualify for their 13-14 rate and she couldnt give me specifics. Is it time to get another card with a lower rate or do I not know what Im talking about?  <response>: The rate doesnt matter if you pay it off every month like youre supposed to. 