When I ask for a low rat. They some time's give me the run around and say "not at this time" and so on. I have payed the on time for more then 2 years now. I some time go more the 6 mouth's with out one charge. I need a lower rate to pay them of faster. Thanks

dead easy. change your card provider, use one that is giving you a better deal and keep your eyes open for even better deals if they come along.
your credit card company is making money from you .they want your money they do not need your loyalty as that seems to be causing you to pay a higher rate