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@WhirledPeasPlease wrote: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.