These credit card companies do n't want to lose your business . Americans put hundreds of dollars in debt on their credit cards three years . Percentage of those who pay late is highest in last year . Some companies will lower your interest rate . Expert : Use 315 percent of your available credit .
Americans put hundreds of dollars in debt on their credit cards three years . Percentage of those who pay late is highest in last year . Some companies will lower your interest rate . Expert : Use 315 percent of your available credit .