When the times get tough, everyone starts looking on where they can save a little and start getting rid of debt.  I went to from having a 7 year steady job to being laid off and on unemployment.  I immediately started going through my finances to see what could be transferred to one card, what could be paid off, what was the minimum payments I could afford.  Well I saw a segment on 20/20 about lowering your interest rate on credit cards which would in turn lower your monthly payment just by calling the credit card company and asking.  So I thought I have nothing to lose by asking. I must have...