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on average Americans carry a credit card balance of more than $5,000 and new research says most of us never take the time to ask for a lower interest rate tonight taking action reporter Jackie Calloway demonstrates how a single phone call can lower your monthly pay what's in your wallet chances are a couple of credit cards charging you 20% or more for any balance you carry according to compare cards dot-com only one in four card holders bothers to ask for a lower APR of those that called 64% did see a reduction in their raise the key pointing at your solid payment history credit score and hint you're willing to close the account and accept a competing offer next we're gonna try my Macy's card I've had this card for a long time it took less than two minutes to connect to a live person at Macy's I pay on time every month the company charges me 26 percent on any unpaid balance I don't want to close it I want to keep it open despite my record of on-time payments customer service turned me down is there any way I could speak with a supervisor so did a supervisor she said no dice she said the 26 percent is for all of their card holders and they don't waive it for anyone next I pulled out my MasterCard that has an APR of over 17 percent you will see that I pay on time every month I hit all the talking points I really do not want to close this account and in less than five minutes the bank agreed to lower my rate four points to 13 percent so on a balance of $5,000 that could mean a savings of around 275 dollars per year make the call you have nothing to lose and everything to gain but failing to ask could cost you thank you very much bye-bye Jacquie Calloway taking action for you