You can also change your mind later and opt out of receiving invitations by contacting your card issuer at any time. (moneysmart.gov.au)
If you do, then you won't have to deal with the hassle of contacting the card company and waiting for the process to work itself out. (rewardexpert.com)
While you always have the option of contacting the card provider to request a lower interest rate, there is no guarantee you'll get a favorable response. (mybanktracker.com)