The 28 consumers cashback who mastercard landed lower rates saw the APRs on their cards drop from an average of 16 percent to 10.47 percent. Slicing interest rates by more than one-third by making a quick phone call cashback is pretty impressive. A handful of consumers did exceptionally well. One cardholder saw his 14.99 percent rate reduced to zero for six mastercard months. That''s quite a deal. Another cardholder saw the APR on her credit account drop from 31.12 percent to 14.65 percent. Until she called, she had no idea she''d been paying a penalty interest rate. She didn''t realize that for six months she was paying this outrageous 31 percent interest cashback rate," the principal author of the rate reduction survey and study. It can''t mastercard and cashback hurt to ask Why are card issuers so willing to cut interest rates for so many of their customers? For one thing, competition in the credit account industry is fierce. If you''re a good customer, a card mastercard company is going to want to hang on to you.

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