gettin out of debt

You can't do both. Creditors know exactly what your payment is to them and your payment to your other bills, if this debt to income ratio is high, chances of lowering your interest rate is slim to none. If your ratios are low and you don't really have that much debt, then there's a pretty good chance they'll lower your rate or approve you for an ongoing special. I would even go far as saying you've been pre-approved with another company at a much lower interest and will balance transfer your debt unless lowered. Reducing your amount owed is a different story - you do that by settling or the old fashioned way of paying it down.

You should get on a debt management program. This will have your rates lowered.