"Transfer higher rate credit card balances to..."

Yesterday's mail included a suspiciously plain envelope which contained a new credit card since one I have was about to expire. I made the usual phone call to activate the thing and had the usual suggestion of moving other credit card debt to this card. I explained that there wasn't anything to transfer. I got to explain this again a couple more times as my asking about a lower rate resulted in a couple call transfers and each person I talked to asked about doing a balance transfer.

The last person I spoke with said she'd send out an application I can fill out and try to get a better rate. I wonder how that will go: "Yours is the highest rate card I have, which is I don't use it."? But she was able to lower the rate a few percent right away. It's better, but still high.

So far, it's gone my way. And if it doesn't get any better, well, I can keep on not using their card. Whether I'll keep it around at all then, I have yet to decide.