Negotiating the rates on your credit card have nothing to do with lower or higher your credit score .
Your credit score determine the rate. Not the rate determines your credit score.
Does negotiating with a credit card company to lower your interest rate affect your credit score?
No, not at all. The rate does not report on your credit bureau only your payment history, credit limit, and balance owed. There is so much competition with credit card companies if your current card values you as a customer and you have a good record with them they should try to keep you by lowering your rate.
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