I HAVE HOOTERS CARD THE ONE I HAVE HIGH CL , TODAY I CALL ASK FOR LOWER RATE ( NOW 24.20%) . I BEEN WITH CARD 7 MONTH , NEVER CARRY BALANCE . NOW I TRY CARRY SOME BALANCE . THEY SAY THEY CAN'T LOWER RATE . BECAUSE THAT POLICY OF HOOTER . SO WHAT CAN I DO ? ANY IDEAL ? ALSO I HAVE AMEX HIGH CL 0% UNTILL 09/08 BUT I READING SOME POST IN HERE SAY : AMEX DON'T LIKE CARD HOLDER TOOK LONG TIME TO PAY BALANCE . IS THAT TRUE ?THANKS !