Ask and you might receive. When Money magazine called 10 credit card lenders and merely asked them to lower their interest rates, 3 out of 10 did! If you have a car loan, ask if they can reduce the rate of that as well.
This could also work in other areas of banking. If your bank is charging you interest or fees for any of their services, mention that you have done business with them for years, and that you can find better deals from their competitors. You will be surprised how often this simple tactic will work. Ask them to lower the interest and eliminate the fees. If they won’t, move to another bank or credit union who will.
Image used with permission from Microsoft