Credit card numbers, with every source showing
Most people who ask their bank for a lower rate or a fee refund get one. Few ever ask. Here is what the public data says, bank by bank, and where our own estimates fill the gaps.
Data as of Nov 14, 2026. Numbers with a source link are quoted from that source. Numbers marked Estimate are Haggle estimates until our own calls measure them.
Asking works
From LendingTree's survey of US cardholders, published in September 2026.
84%
of cardholders who asked for a lower APR got one
LendingTree survey, via KKTV · Sep 2, 2026
6.3 pts
average rate cut for those who got one
LendingTree survey, via KKTV · Sep 2, 2026
92%
of people who asked to waive a late fee got it
LendingTree survey, via FOX 5 NY · Sep 3, 2026
94%
who asked got an annual fee waived or reduced
LendingTree survey, via FOX 5 NY · Sep 3, 2026
$41
most it can charge if you were late again within six billing cycles
Kilpatrick Townsend · May 5, 2025
612
average J.D. Power 2025 credit card satisfaction score
J.D. Power 2025, via Clark.com · Apr 21, 2026
Five banks, side by side
Satisfaction scores come from J.D. Power. Wait times, late fees and rate cuts are our estimates for now, and each column says so.
| Bank | Satisfaction scoreJ.D. Power 2025, via Clark.com | Wait to a personEstimate | Highest late feeEstimate | Late fee refunds grantedEstimate | Typical rate cutEstimate |
|---|---|---|---|---|---|
| Chase | 619 | 9 min | $40 | 88% | 5.5 pts |
| Capital One | 621 | 6 min | $40 | 85% | 4 pts |
| Citi | 608 | 11 min | $41 | 90% | 6 pts |
| American Express | 643 | 4 min | $40 | 95% | 6.5 pts |
| Discover | 617 | 5 min | $41 | 96% | 5 pts |
Read more about Chase, Capital One, Citi, American Express and Discover.
Start from your problem
Haggle makes the call for you
It waits on hold, asks for the fee back or a lower rate, and you pay only if the bank says yes.
