“What are credit card rates?”
self help books & articles about credit card tips to save money

Credit card rates have always been an issue in applying for a credit card. These rates are what everyone should know before choosing a credit company from another. Shopping around for the best rates will give you the best deal.

For you to own a credit card, you should first know what are credit card rates? What is an APR? What are the different kinds of rates?

1) APR. The APR signifies the annual percentage rate of the interest. The APR is used by the bank to know how much would be charged on your bill for a yearly basis. There are two kinds of APRs:

* Fixed. This kind of APR is an interest rate which has been arranged by the bank. The fixed APR would not be changed unless the bank or the credit card owner would amend the contract of agreement. Majority of credit card accounts that has fixed rates does not change often.

* On-going. This kind of APR is a kind of interest rate that could change even after the signing of contracts and the grace period.

Note: Both the fixed and APR rates would depend on consistency of the bill payments, if you would request your APR to be changed either lower or higher and if certain government provisions was made regarding the annual rates of your credit card.

* Special APRs. These kinds of annual rates would depend on the contract you have signed. If your terms specify a penalty APR when you would not be able to pay for your bills, this kind of rates would apply.

2) Interest rate.

* Fixed. A fixed interest basically means that your rate cannot be changed unless the bank informs you that there have been some changes in the policies.

* Variable. A variable interest rate changes automatically whenever the basic rate of the bank increases or decreases.

Note: Both the fixed and the variable rates could be changed by the bank anytime. This means that any bank could alter the terms and conditions of your credit account for a fifteen-day notice.


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The self help books & credit card tips to apply for a credit card online for credit card debt consolidation. Get business credit card with online credit card approval and credit card processing management articles on credit card debt consolidation and credit card offer with credit card application for low interest credit card, student credit card to accept credit card and get travel reward credit card articles for the best credit card.

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