Chase Credit Card Interest Rate?

[michaelB]

I opened my chase credit statement and found the interest rate at 31 % avg. is 15.24% is this what you get when your payment is never late and I always always pay more then the minimum so say the minimum payment is 125.00 I pay 300.00 per month so why the high rate ? I have called and asked them to lower it and they just won't. What should I do ?

 

[gowiththeflow1]

Pay the credit card in full each month and you never pay interest.
54% of Americans use cards this way.
Statistically, they hold those top credit scores.
By carrying balances, you are not only paying interest, you could be causing serious damage to your credit scores.