HELLOO Lower interest rate!
I'm so happy I had to share. I decided to call my credit card company to ask for a lower interest rate, since I'd been pretty diligent in paying my bill on-time for the past few months and finally got one card down to a zero balance. They gave me 3.5% interest on new purchases for the next six months! SAY WHAT? In this economy?! I was thrilled. Even if you can't pay off your bill, just making the payments on time can do so much to gain favor with your creditors.