Yay, so here's a happy story:
I got a letter in the mail from USAA dropping the rate of one of my cards from 9.9% to 8.9% - I believe they raised it two years ago after the credit crisis so they are bringing it back to where I was originally but still - good customer service from them!
My other card is at 7.75% but at least they are a bit closer now. And of course, since I don't carry a balance, it's a moot point but it makes me feel good.
So hopefully some of you may also see this, or be able to use it to request a rate decrease if you need one. My rate is now variable so be aware (prime + 5.65%) - I don't know if it was fixed before though so maybe they are just adjusting it with prime.
My rate was dropped to 9.9% on the secured card a few days ago. It was originally stratospheric.
Same thing happened to me. Got the letter that starting in April my USAA World MC will drop from 16.9% to 13.9%. Still not as low as my USAA Amex, but still, 3% is 3%, even if you never carry a balance (which I don't; haven't paid intereste on a CC in over 7 years).