A new study has determined that a 30-point increase in a consumer's credit score could save more than $16 billion in annual interest charges. The analysis found the most dramatic savings occur when the FICO credit score moves above 660. The average card account at 650 pays a 14.7% APR, versus 13.7% at 660 and 12.2% at 680. The research by Providian determined the average active balance for a 650 FICO is $4082, versus $4165 at 660, and $4259 at 680. The average credit line for a 650 FICO is $6766, versus $7231 at 660 and $8429 at 680. The data are based on more than 300 million credit card accounts.
| FICO | APR | CL | ADB |
| 500 | 20.9% | $ 2488 | $2426 |
| 550 | 19.7% | $ 3417 | $2937 |
| 600 | 18.4% | $ 4788 | $3463 |
| 650 | 14.7% | $ 6766 | $4082 |
| 700 | 10.8% | $ 9444 | $4156 |
| 750 | 8.4% | $11146 | $2815 |
| 800 | 4.6% | $10644 | $ 796 |
| Source: Providian |
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