Overhaulin' - How can I get lower interest rates on my car loan and credit cards?

How can I get lower interest rates on my car loan and credit cards?

My credit isn't the greatest but would like to take advantage of the lower rates. I am Canadian and already have a loan.

Consumer credit rates have INCREASED in the past six months, not declined. The banks are reassessing risk and the fed funds rate has nothing to do with it. Only long term rates (like mortgages) have declined.
To get a lower rate on your credit card, call the company and ask them to lower it. Asking for a particular number is better. They won't give it to you, but they might give you something lower than what they would have offered you. I did it a few months ago w/ Amex.
Join a credit union, My credit union's new auto loan rate is 3.75% 36 mo, new car 5.25% 60 mo. Used auto 2007 or newer 5.75% 60 months. Visa and Mastercard 7.9% with no annual fees. You are probably eligible for membership thru job, family, community or association. See if you are eligible for membership. Credit unions are non profit and owned by their members and they usually don't have as strict lending policy. Good Luck.