My wife has a Providian card with an outrageous interest rate, over 20%, I think. Anyway, she has had the card for a long time and the interest rate doesnt really matter, (due to the fact that she never carries a balance). They keep giving her credit line increases, but they have not lowered the rate. I told her to call and ask. They told her that they do not lower interest rates for any reason. They said that they do monitor accounts on a monthly basis and this could result in better rates in the future. They insisted that they did not take let consumers inquire about lowering the rates for any reason. In the past I have called other companies and they have lowered it for me since I had a good history. Sometimes they would request that I reapply for a better card. I have never had a company tell me that you were not allowed to inqure. Has anyone else ever had this problem?