I called systematically every six months to request an interest rate reduction since this card's APR was significantly more than my other two credit cards - 19.99%! Every time I called, over the course of 4 years, I was told one of two things 1) Call again in 6 months it could be old data about to fall from my credit report or 2) The account will be escalated for review and it will take 4-6 months for them to review it. Last call was October 29, 2009 and I heard the same things as before "I don't know why I cannot lower the... read full review »