A fun place to discuss secured credit cards
As long as you are polite as well as persistent, asking your credit card company to drop your interest rate offers you no risk and an excellent chance for success. You can use the same method to ask the credit card company to waive your annual fee. If you want to change your due date or move to a better rewards program, you do not even need to threaten to leave. Just ask. Even if you originally got your card under terms designed for credit cards for bad credit, you can improve the terms substantially, perhaps even to the level enjoyed by premium credit cards.