The 28 consumers who landed lower rates saw the APRs on their cards drop from an average of 16 percent to 10.47 percent. Slicing interest credit rates by more than one-third by making a quick phone call is pretty impressive. 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 report 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 rate," the principal author of the rate reduction ratings survey and study. It can''t hurt to ask Why are card issuers so willing to cut interest credit rates report for so many of their customers? For one thing, competition in the credit account industry is fierce. If you''re a good ratings customer, a card company is going credit to want to hang on to you.

A brand new card offered by features up to 1% cash back on purchases as follows: .25% cash back report up to $1000; .5% cash back from $1001 - $2000; .75% cash back from $2001 - $3000; 1% cash back on purchases $3001 and above. Instant ratings online credit application (this card is only offered online). Rebate is issued in the form of an automatic report annual rebate check ratings (check credit is mailed). There is no cap on the amount of annual rebate that can be earned. Introductory 0% APR for six months for purchases. No annual fee. Earn up to (depending on total dollar value of annual purchases) 2% cash back on your purchases any month you choose to carry a balance and up to 1.5% back in the months you pay your balance in full. There is no limit on the amount of cash back you can earn. Awards get credited on an annual basis. Offers "instant online approval". line report up to $100,000 (classic card has credit line up to $10,000). Cash back percentage levels are as follows: ratings .25% for $0 to $2,000, .5% for $2,000 to $5,000, and 1.5% in excess of $5,000. If you carry a balance, you will receive an additional .5% rebate credit for that report billing period. The rebate applies to purchases but not to Cash Advances, returned purchases, balance transfers, or the purchase of 3.9% 6 month introductory APR on purchases and ratings balance transfers. No annual fee.

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