Lowering my APRs

Lowering my APRs

hey PS'ers, I just found out my APRs on on my credit cards seem to be high. Before I call tonight.............What are some tatics to get these lowered? Besides threathing to close them.......Both cards are less than 2 years old. Im thinking of transferring the money to the lower rate card if I can't get a lower rate on the 1st card. Card 1 - Over 20 % Rate and Card 2 15.99%, Eh..........THANKS AHEAD.
Bread! With Pictures!

Bread! With Pictures!

New blooms

New blooms

Garden Update

Garden Update

Coltsfoot?

Coltsfoot?

Now some veggies.

Now some veggies.

UNKNOWN PLANT.

UNKNOWN PLANT.