I'll look into that. I did not realize that the CC company would be willing to do that.
They know that you could pretty easily look into a competitor's card that has a sweet teaser rate. So call them, it doesn't hurt a bit to ask. They will pull your credit score but this doesn't count as a "hard" pull since you have an existing line with them. Provided you haven't been late in the previous six months your chances are at least decent. They probably won't cut it below 10% but that is still money saved for you.
And if they won't, consider shopping around for another card with a low "teaser" rate. Use that one to pay your bills but keep writing big checks to the high rate card to pay it down ASAP. Just don't use it as a reason to spend more, you can't do that. I suggest setting aside a fixed amount, one that is slightly larger than you feel comfortable with - and send the high-rate card a check as soon as your paycheck clears.
So long as you have an unused balance on a credit card, you don't need an emergency fund. Pay off the used balance as quickly as possible first. If your car breaks down or some such you can charge it back up, but there's no point in paying interest until you actually need the money. Having an unused line of credit is enough until you get more paid off.
Like I said though, nothing beats free money so get that employer match. Worst case is that you'll be paying 19% interest so you can get a 100% return. So long as you pay your bills on time this is still a great deal for you.