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Quick Q and A

What is an APR?

APR, or annual percentage rate is the interest rate you pay on a card. When you borrow money on a card, you are charged interest unless you repay the creditor before the end of any applicable grace period. Interest rates on cards can range widely, depending on your credit score. If you have a low to medium credit score, your rates can range from about 20% to 30%. You may have different APRs for different types of transactions-like purchases, cash advances, and balance transfers.

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