When you try this, you will have had to have made your payments on time to your credit card companies.You need to call you credit card companies and ask them if they currently are offering any special or promotional rates on your card. They will ask you to hold while they check for you. When they get back on the phone you will hear, "I am sorry, you are not qualified for any of our promotional rates at this time," or "Yes, we can lower your rate by x%." If you have good credit ...