yea I tried to do the same and got turned down. I am not in the top 10% as far as credit goes, but I am not bad off. I was told though that if I start missing payments and can prove that I am trying to make the payments, they have a program to lower my rate, as long as my credit score stays high.
I asked what will they do if I miss a payment, and the answer was report it to my credit, thereby lowering my score. Of course they did not see the irony in that. I guess I can just say "See my sig below".