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Credit Card Interest Rates

When you use them responsibly and repay them diligently, credit cards can be beneficial to your financial state. However, be sure to research the various cards that are available as they are different in many ways.

The Annual Percentage Rate, or credit card APR, is the percentage that you are charged annually for the debt that you accrue. The rate will vary according to several factors.

With a fixed rate, it will remain at that percentage unless you fail to keep your account in good standing. To maintain your account status, you must pay your bills on time and stay under the credit limit.

Some cards feature variable rates. The credit card APR is based on the prime rate and is “variable” because it can fluctuate. If the prime rate increases or decreases, then your rate will also increase or decrease. The total variable rate also includes an additional percentage amount on top of the prime rate. For example, if your credit card APR is a variable rate of 13.9% based on prime and prime is at 3.25%, then the additional amount is 10.65%.

To secure low interest rate introductory offers, you’ll need a good credit score. Keep in mind that your credit card interest rates will likely be high if you have a low credit score.

Learn More About Maintaining a Good Credit Score

You can enjoy introductory APR credit card offers on purchases and or balance transfers. The introductory periods may vary so be sure to understand the terms of each card. Many cards also feature annual fee offers to save you additional money.

A new card can be a fresh start, but it must be maintained responsibly so that you don’t run the risk of negatively affecting your credit score. As a result, a new card is a big responsibility so make sure you understand how credit cards work so that you can manage it properly.

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