Write the next sentence in the following story.

How to write a letter to reduce credit card interest rates
Create a file that includes other offers from credit cards or balance transfer offers with lower interest rates offered.
If you haven't received any in the mail, or if you've thrown them all in the trash, do some research online to find other offers with lower interest rates.
Find out what the current prime rate is.
The federal reserve sets this as a standard for lenders and banks. Credit card companies use this to set their interest rates, usually staying within 9 percent of the prime rate.