Many type of APRs
A single credit card may have several APRs:
1. APR for purchases
2. Cash advances
3. Balance transfers
The APRs for cash advances and balance transfers often are higher than the APR for purchases (for example, 14% for purchases, 18% for cash advances, and 19% for balance transfers).
4. Tiered APRs.
Different rates are applied to different levels of the outstanding balance (For example, 16% on balances of $1・500 and 17% on balances above $500).
5. A penalty APR.
The APR may increase if you pay late.
6. An introductory APR.
A different rate will apply after the introductory rate expires.
7. A delayed APR.
A different rate will apply in the future.
You should be careful about carrying over your balance from month to month. Because even a small difference in the APR can be a big difference over a year.
1. APR for purchases
2. Cash advances
3. Balance transfers
The APRs for cash advances and balance transfers often are higher than the APR for purchases (for example, 14% for purchases, 18% for cash advances, and 19% for balance transfers).
4. Tiered APRs.
Different rates are applied to different levels of the outstanding balance (For example, 16% on balances of $1・500 and 17% on balances above $500).
5. A penalty APR.
The APR may increase if you pay late.
6. An introductory APR.
A different rate will apply after the introductory rate expires.
7. A delayed APR.
A different rate will apply in the future.
You should be careful about carrying over your balance from month to month. Because even a small difference in the APR can be a big difference over a year.
Shopping around for a credit card can save you money on interest and fees. You will want to find one with features that match your needs. This information can help you
●Know the features of credit cards？
●Compare credit card features and costs
●Know your right a credit card
●complaint about a problem with
your credit card
●Know the features of credit cards？
●Compare credit card features and costs
●Know your right a credit card
●complaint about a problem with
your credit card
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