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People who need a break with credit card late fees or want a lower interest rate can probably get it. All they have to do is ask. More than 85-percent of those taking part in a poll say they were successful in getting late fees waived by their credit card company. But only 28-percent have ever made such a request. In addition, just 23-percent have asked for a reduction in their interest rate. But among those who have, 65-percent got it.

However, such consideration doesn’t seem to be given on an equal basis. Requests for late fee waivers were granted to 93-percent of those making at least 75-thousand-dollars a year, but to only 76-percent of those with an annual income under 50-thousand-dollars. Age matters as well. Nearly 80-percent of those 50-to-64 asking for lower interest rates got it, while 67-percent of adults under the age of 30 were denied. But a person’s employment status doesn’t seem to make much of a difference. Just over a quarter of those employed full-time received a waiver on a late fee, along with 21-percent who are unemployed or only have a part-time job.