[Zeke]

Canceling is easy. Call the 800 number 24/7 and report your card missing. When they start to send you into another account, just say no thanks. But, you will seldom ever talk a company down in interest rates. I have in the past, but that was pre- recession/credit crunch time. Best thing to do is a balance transfer. You can't do this too many times, just try to pay off the balance during the introductory time and leave the card alone.