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. onlinecreditcardsapplication 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 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 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 you.

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According to a recent article written by and that was reprinted in a publication many firms, including those that aggressively advertise on TV, charge excessive fees and get bonuses from credit account companies for every client referral. Such firms may be legally structured as nonprofits by taking advantage of legal loopholes but their business practices are highly suspect. Large amounts of money collected from their services end up in the pockets of their executives. Executive compensation includes salaries, bonuses, and real-estate deals. A reputable credit counseling service should not depend on fees for more than 60% to 80% of its income and should also rely onlinecreditcardsapplication on grants and charitable donations. It should charge a maximum of $25 in monthly client fees. Finally, a reputable service will also provide free counseling and may have up to half of its clients enrolled in counseling alone (instead of being enrolled in a debt repayment plan).

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