I'm curious....what's a decent interest rate on a credit card? My Chase Amazon Visa was something like 17.99% and I called them and asked for a reduction and they reduced it to 14.99% (easier than I thought it would be to get it reduced!). My HSBC Mastercard is 20.49%, and I called and asked for a reduction, the CSR I talked to told me they couldn't reduce it. I wasn't in the mood at the time to escalate to a supervisor and all that, so I'm going to try again eventually when I have the time and patience for that crap. But on average, what's a good APR, because I'm wondering if I can talk either of them down some more. I don't have bad credit, I just don't have a lot of it. I don't carry balances either, so it really isn't an issue, but I'd like to have the lowest APR possible in case an emergency came up and I had to charge something and pay it off. Also, would asking for (and receiving) a credit limit increase hurt my credit in any way? I wouldn't mind a higher limit either, you know, just in case, but I'm going to be financing a car in about 3 months and don't want to be turned down or stuck with a crappy rate because I have more available credit or something like that. Thanks.