– The majority of Americans know the rates they are paying on their credit card and their credit rating
– Despite this awareness, they continue to carry high interest credit card debt and many do not know how to improve their credit scores
– Of those who know the rates on their credit cards, 31 percent have an interest rate of 20 percent or more and 64 percent pay 14 percent or more
– 65 percent of credit card users have never tried to negotiate a better interest rate, though 93 percent know it’s possible
– Gender gap: women are less likely to know their credit score and interest rate than men
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