Or so they thought. Over the weekend I figured out how to pay off half the $955 balance in two weeks. So I'm wondering what sort of chances I might have with Chase retention: (A) If I call them to ask for a lower APR when my balance is less than $500 on a $1000 card? (B) If I just close the account now to avoid the outrageous APR and then ask them to reopen the account once it's paid off in about a year? Could I keep both a normal APR and the full account history that way?