Consumers paying interest after falling behind on their credit card bills may soon be getting some relief.

The Senate is working on a plan that would allow cardholders to regain lower interest rates if consumers pay their bills on time for six months.

Republicans say lenders should be able to take into account a person's behavior.

Democrats say hiking up interest rates on past balances prevents consumers from climbing out of debt.

The bill is a compromise between the two ideas. It's also part of a broader credit-card reform package.
 
The legislation is expected to pass this week with President Obama's support.