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The method that produces the most results is to call your credit card issuer and tell them that another company has made you a better offer and you are considering switching to them. The customer service representative might send you to someone who specializes in convincing reluctant customers like yourself to stay, or you might stay with them throughout the call. Either way, when you are speaking with someone who can change your interest rate, lay out your case politely and calmly and be prepared to negotiate. If you cannot come to an agreement on your first call, thank the representative, end the call, and call back another day, when you may get someone who is more willing to help you. (Representatives are required to follow guidelines, but they have some wiggle room in deciding how far they are willing to help a given customer.