I will tell you how to lower your credit card interest rates.
1. Call your credit card company and tell them you want to cancel your account and will continue to make payments until the card is paid off.
2. Continue to insist that you really do want to cancell your account despite how pushy they are on the phone. You can even say that you recently got a new card with a lower rate and will only be needing that one.
3. Hold your ground until they offer you a lower rate. If they don't, be sure to suggest that a lower rate may encourage you to keep your account with them...but this is a last resort.
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Thanks for reading,