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Have to disagree with the other responses.
First off, why bother calling to argue about the rate when you never use the card? The interest rate could be 2%, it could be 200%; if you don't use the card it really doesn't matter.
Secondly, keeping the account open and doing nothing with it isn't doing all that much for your credit score. If you use the other 2 and pay your bills, your score will be fine. There is downside to leaving it open though. Let's say you end up needing another specialty type of card. Then you're starting to get quite a bit of cumulative open credit. The worst problem of all though, is that cutting the card up but leaving the account open is a big setup for forgetting about it completely and having it come bite you in the ass sometime down the road.
To sum up, stop making economic decisions based on what you think other people or entities would want you to do. Make the best decision for yourself.
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