The default APR usually only kicks in if you default for some reason... late payment, over limit, etc. If you have not defaulted, a high default APR doesn't affect you. As an example, I have a Capital One card with a 15.9% purchase APR, a 24.9% cash advance APR, and a 29.4% Default APR. The default APR only applies if I default in some way.
You've said in your post that you always pay on time, so the default APR should not apply. Is this the case? Also, it doesn't make any sense to ask for a reduction in your default rate if that isn't being applied. You want a reduction in the rate being charged on your balance.
What are your balances and interest rates?
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