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, / PRNewswire / – Americans still are not doing most of the hard lessons learned of credit, according to a survey conducted online by Harris Interactive ® on behalf Lending Club, the American leader most adults know their credit (69 percent) and most adults get their credit cards credit card interest rates (83 percent). However, those who know their rates are still too high (64 percent paid 14 percent or more). peer lending network. Sixty-five percent of credit card customers is not worth it to negotiate better interest rates, even though 93 percent know they can.

While 93 percent of credit card users you can negotiate a better price, only 29 percent have never tried. . However, this knowledge does not translate into action. Forty-four percent of adult Americans still carry the debt of the credit card (compared to 46 percent in 2007, according to Federal Reserve survey of consumer finances conducted in February 2009), and pay rates of interest rates on the subject (31 percent interest rate of 20 percent or more percent and 64 percent paid 14 percent or more).

Approximately one third of those who can pay interest rates between 20 and less than 31 percent (30 percent). . Most Americans use credit cards, but more than one in five do not know the interest rate on credit cards used most frequently. Although almost all credit card users, I know you can negotiate lower interest rates with your credit card (93 percent), most adults have a credit card do not worry (65 percent), although you can save a large sum of money.

For example, a loan of three years in the current map in April through credit cost more in interest over a three-year loan unsecured personal loan club with 7.93 percent in April **. You can find a lower fixed rate personal loan from a bank or credit companies such as Lending Club Peer Club offers loans personal loans unsecured debt at high interest rates of 7.93 percent in April, which is 53 percent below the national map in April general credit * 16.81 percent and can save thousands of people in the life of a loan. Credit cards with low introductory APRS use to you and then ride on the SAM, once you have and the balance of the high hook.

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