Anybody know about Cap 1 & asking for a rate reduction?? Also, I asked Dell Financial about a rate reduction, but was told by the cust. svc agent & the supervisor that they cannot manually change rates, they only change automatically with a periodic review (which they could tell me nothing about). Anyone know about this, or if there's any way to verify? I've heard from some that you may have to ask several times, but I don't want to do anything that's going to damage my credt.....