USAA Savings Credit Card Complaint

USAA Savings Credit card department,

APR or interest rate Texas

I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that - - in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. In summary, my complaint is that they are misusing government regulations.