This is amazing...about a year ago, we knew we were going to be having some financial problems, and so we called all our credit card companies to try to get interest rates lowered. The only ones that would work with us was Discover Card. Because we were not yet in default, no one wanted to help. Then once we were in default, we no longer qualified for help. Discover lowered our interest rate from 25% to 8%, and waived any over the limit fees, etc, plus discounted like $600 of our balance out of courtesy.