My account # is xxxxxxxxxxxx.
I'm currently working with a credit counseling service to pay off my credit cards. They have told me that the lowest interest rate Discover will give me is 15.99%. While that's better than it was before, it still seems really high.
The finance charges on my current statement (12/27/06) totaled $119.25. On last month's statement (11/27/06) I was charged $123.91. The bulk of my $180 minimum payment is going to finance charges and the balance is going to take forever to pay off at this rate. I'd really appreciate anything you could do to help me with this.

Currently, Chase is giving me a 6% APR, which is much more reasonable. When my debts are paid off, it's likely that I will apply for another card through Chase. With my Discover interest rate still so high, there's no chance I will reapply for another Discover card.
I have been a customer since 1998 and that should be worth something. I should be getting a better deal than 15.99%. 6% would be acceptable.