I called Washington Mutual - used the script - and was denied.  Even spoke to the Manager (after speaking with the Supervisor).  My current interest rate is 13%.  I have been an excellent customer for a number of years, never late, always paid way more than the minimum payment due, and every so often I pay off the balance in full.  I also have an excellent credit rating with the credit  bureaus.   I owe a small amount on my credit card with a credit limit of over $15,000.  I was told by the manager that I cannot request to have my interest lowered - that they send out offers to lower interest rate (which by the way I have never received - only increases to my line which I never asked for because of  my excellent record).  He could not give me an answer as to why I have never had my interest rate lowered.  Instead he tells me that I have an offer for balance transfer.  This has been offered to me by them since forever and I wouldn't do it because after the initial period rate of 1.99% the rate is tied to Prime plus 8.74% which would be higher than I have now!  I told him I would be closing my account with Washington Mutual and going elsewhere.  Thus, thanks for the report anyway, even though it didn't work to lower my interest rate with WaMu, I should have closed this account a long time ago!