How do I get better interest rates?

Question

currently, the interest rates on my credit cards suck. my credit used to be bad, but by paying down debts over the years and never being late it's great now. i've heard you can negotiate better rates, but i tried with one and they told me no. I'm sure I could apply for cards with better rates now, but i know it will adversely affect my credit score. i monitor my credit. im wondering if i should just take the hit to get some better rates. i don't plan on carrying balances, but if i need my credit in the future i'd like better rates.

Go with the flow · Accepted Answer

If you don't plan on carrying balances, why would you need a better interest rate.
You only pay interest when you carry balances on credit cards.

Just pay off the ones you currently have in full and continue using them for small things like food or gas and pay in full each month to maintain top credit.
With top credit, you will be able to get better rates on future loans.
Sorry if I misunderstood the question.
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Google Fico Score Estimator or Credit.com Calculator 
to see how your score would go down by opening a new credit card . "new credit".
If you must do a balance transfer, go to bankrate.com and click on credit cards, then best cards for balance transfers.
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I figured out the statement.
In case you need good credit in the future and need to finance something on credit.
Solution:  Keep 6 to 8 months worth of living expenses in a savings or a cd at all times.
No one, absolutely no one should live without this fund.
You never know when you could lose a job, have major car repairs, or medical costs not covered by insurance...

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How do I get better interest rates?

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