Hello. I've been a Discover IT cardholder since March 2013, and will begin having to pay interest in May 2014. So far I've gotten one automatic CLI (the 90 day one).
Due to an unforeseen and unavoidable incident I had some surprise bills I ended up having to put on the card and have been running a non-zero balance for the last five or six months. I've been paying more than the minimum to get it down and am confident I'll have it paid off or close to it by May. I've never missed a payment, and often paid two or three times a month.
I'd like to get my interest rate reduced if possible, before it starts accruing on my account. Can I request a reduction before May? Is there a recommended guide for how to put the request together?