one year ago i was in an old navy store an employee said if i signed up the interest rate would be 16.99% or lower. the card came with a rate of 24.99%. i immediately shredded the card. just received annual credit reports and the card is on there. i called old navy to see if they would negotiate a lower rate. NO! we never lower interest rate said the nasty girl. i asked for a supervisor and was left on hold for 46 minutes! should i call and cancel the card will that do a lot of damage to my score? or should i call old navy again to try to get a lower rate? don't they realize i have never used the card because of the rate and never will unless its lower, do they not care? i dont know what to do someone please help i'm new to this. thanks to everyone in advance
