Market analyst: According to my research, 59 percent of consumers anticipate paying off their credit card balances in full before interest charges start to accrue, intending to use the cards only to avoid carrying cash and writing checks  This research also suggests that in trying to win business from their competitors, credit card companies tend to concentrate on improving the services their customers are the most interested in
Ttherefore, my research would lead us to expect that
credit card companies would not make the interest rates they charge on cards the main selling point