Captial One wont lower my interest… I havent used my credit card for over a year (I cut it up), because Im paying it off. My interest rate used to be 15% and now its 23%. They wont lower my interest…Captial One wont lower my interest… I havent used my credit card for over a year (I cut it up), because Im paying it off. My interest rate used to be 15% and now its 23%. They wont lower my interest…Cap1's not so bad. I just called to try and get a lower interest rate after finding out my scores were better than I thought. Not only did they not do a credit pull, but they gave me a…