Americans still aren't making the most of hard-learned credit lessons: they continue to carry high interest credit card debt and do not know how to improve their credit scores, according to the results of a survey conducted online from May 20-24, 2010 by Harris Interactive® on behalf of Lending Club, the leading U.S. peer lending network.

Key findings:

• The majority of Americans know the rates they are paying on their credit card and their credit rating
• Despite this awareness, they continue to carry high interest credit card debt and many do not know how to improve their credit scores
• Of those who know the rates on their credit cards, 31 percent have an interest rate of 20 percent or more and 64 percent pay 14 percent or more
• 65 percent of credit card users have never tried to negotiate a better interest rate, though 93 percent know it's possible
• Gender gap: women are less likely to know their credit score and interest rate than men

Read the full Lending Club survey findings here

What's your take on these interesting findings?  Leave a comment below with your thoughts.

Download the complete survey results here (394 kb. Word doc)

@RobGarciaSJ

We are thrilled to announce the top 15 photographs of our first Lending Club Photo Contest.

More than 250 photos from hundreds of artists were submitted, making the final selection even more arduous...  so arduous, we could not keep it to just 10.

We invite you to vote for your favorite photograph(s) on our Facebook fan page before July 15th, 2010.  To vote, just leave a comment on or "like" the photograph you'd like to see win, directly on our Facebook fan page (you must be a Lending Club Facebook fan to vote).

VOTE NOW>>