I got a couple of my credit cards for lower rate. First USA Yahoo! Visa 7.99% var. prime+3.24 ExxonMobil Mastercard 11.24% var. prime+6.49 Netscape Card 7.74% var. prime+2.99 Ron.
per a suggestion on this board I called Target Visa and they reduced my APR 3% just for asking, after 1 month. No CL increase, said the computer does monthly reviews and increases are automatic if you qualify.