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The 28 consumers who landed lower rates saw the APRs on their cards drop from an average of 16 percent offers to 10.47 percent. Slicing interest rates by more than one-third by making a quick phone call is pretty impressive. credit A handful of consumers did exceptionally well. One cardholder saw his 14.99 percent rate reduced to zero for six 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 cards paying a penalty interest rate. She didn''t realize that for six months she was paying this outrageous 31 percent interest offers rate," the principal author of the rate reduction survey and study. It can''t 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 credit you''re a good customer, a card company is going to want to hang on to you.

So, cards why are you so popular? For starters, the teen population is growing. There are 32 million kids between the ages of 12 and 19 -- about 11 percent of the population -- according offers to Teen Research Unlimited credit of Last year, you and your friends cards spent offers on average about $104 per person of your own green each week, according to Teen Research''s 2001 survey of more than 2,000 respondents from around the country. credit account companies put two and two together and figured they can make money from you -- so you''re worth the risk. Several items from this past week are worth credit noting. At first glance, each may appear completely cards distinct from the others. But taken together, a clear signal to indebted consumers offers can be seen.

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