Are you asking if you should call them and request an IR reduction?
If so, the answer is yes. A few months ago they were trying to make their customers happy by granting 'wishes'. The catch was you were to say "I want my Cap1 card to be my number 1 card." I would think they would be happy to compete, as long as you have some leverage -- and it sounds like you do.
Make the call.
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.