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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 rates by more than one-third by making a quick phone call is pretty impressive. A handful of consumers did exceptionally well. One cardholder creditcardswithlowfixedrates 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 paying a penalty interest rate. She didn''t realize that for six months creditcardswithlowfixedrates she was paying this outrageous 31 percent interest 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 you''re a good customer, a card company is going to want to hang on to creditcardswithlowfixedrates you.

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