No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I was able to get a reduction on a quicksilver mastercard with variable rate of 22.9% down to 15.9% on a plat mc from 2011 upgraded to quicksilver rewards. I did go the EO route. I never abused the EO, called them 3 times in my years of being a customer for a few different reasons. soft pull review and approved a week or so later.