:) The last post I made was about how I called my credit card company and simply asked for a lowered rate. Well, it was a bit more complicated then that - I just mentioned that I had received a better credit card offer in the mail, and that if they couldn't lower my rate than I would have to switch credit cards.
Lo and behold, yesterday my interest rate was lowered by 6% AND they told me it should be lowered even more.
So, I highly recommend that you try this - just call your credit card company and get them to lower your interest rate. You could save hundreds or thousands of dollars just by making a brief 5 minute phone call.