I did a credit check of myself about a year ago and found out I had like 5 different CC's (I didn't think I even had one). I did know I had a lot of shirts, backpacks and blankets though.
Anyways, I called to cancel them. The first thing they did was reduce the rate, just like they did for you (I actually think I have a lower rate than you do (mine is 8.9% i think) (I did cancel all but the one). A couple more months go by and I still haven't used my CC, so I try to cancel it again; this time they offer me 1% cash back on everything I spend.
I still haven't used the card.
__________________
|