This afternoon I called Chase and asked them to lower my interest rate. (I have three Chase credit card accounts, each with a different interest rate – 9.9%, 11.9%, and 14.9%.) I was told that they don’t honor requests for interest rate changes, and instead they evaluate each account every six months and make whatever adjustments they see fit. Does anyone else have experience dealing with Chase – or other credit card companies – on this? Should I call back and ask again? Ask to speak to a manager? Or is it hopeless?