Average credit card rates have been low compared with the previous 5 year average.  As of March 2009, the national average APR for credit cards is 12.66%.  What is your credit card rates?  Now it’s a good time to check the rates on your statement; If you don’t know the rate, call the toll free number on the back of your credit card and speak to the customer representative to see if they can lower it down.

Source: CreditCards.com