I opened a Chase Freedom card in December 2011. It has a $2000 limit and ridiculous interest rate 22.9%. The sad part is that it has the lowest interest rate on any of my cards. I never cared about the interest rate too much because I never carried a balance. Well, I'm carrying a balance now, just on this card. 
and want to try to lower the interest rate.
I'm not sure what my FICO score is right now, but I think it's higher than what it was when I opened the account .
How is Chase with lowering interest rates? I don't care that much about a hard pull right now.
Would I have more of a shot with Capital One?
JustMe77 wrote:How is Chase with lowering interest rates? I don't care that much about a hard pull right now.
Would I have more of a shot with Capital One?
Chase will NOT touch your interest rate. Right before the CARD Act passed, they switched most people from lower, fixed APRs to higher, variable APRs to protect themselves. They review accounts every 6 months to see if they qualify for an APR reduction, but the only reductions they actually grant are for people with the penalty APR who have since brought their account into good standing.
You would absolutely have more of a shot with Capital One. I have had luck getting my interest rate temporarily and permanently reduced on more than one occasion with them. Discover is also good about temporary and permanent APR reduction.
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