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%0D%0A%09%09%09%09%09%09%3Ch2%3EWhat%20are%20the%20APRs%3F%3C%2Fh2%3E%0D%0A%09%09%09%09%09%09%3Cp%3EThe%20annual%20percentage%20rate--APR--is%20the%20way%20of%20stating%20the%20interest%20rate%20you%20will%20pay%20if%20you%20carry%20over%20a%20balance%2C%20take%20out%20a%20cash%20advance%2C%20or%20transfer%20a%20balance%20from%20another%20card.%20The%20APR%20states%20the%20interest%20rate%20as%20a%20yearly%20rate.%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EMultiple%20APRs%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EA%20single%20credit%20card%20may%20have%20several%20APRs%3A%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EOne%20APR%20for%20purchases%2C%20another%20for%20cash%20advances%2C%20and%20yet%20another%20for%20balance%20transfers.%20The%20APRs%20for%20cash%20advances%20and%20balance%20transfers%20often%20are%20higher%20than%20the%20APR%20for%20purchases%20%28for%20example%2C%2014%25%20for%20purchases%2C%2018%25%20for%20cash%20advances%2C%20and%2019%25%20for%20balance%20transfers%29.%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3ETiered%20APRs.%20Different%20rates%20are%20applied%20to%20different%20levels%20of%20the%20outstanding%20balance%20%28for%20example%2C%2016%25%20on%20balances%20of%20%241%96%24500%20and%2017%25%20on%20balances%20above%20%24500%29.%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EA%20penalty%20APR.%20The%20APR%20may%20increase%20if%20you%20are%20late%20in%20making%20payments.%20For%20example%2C%20your%20card%20agreement%20may%20say%2C%20%93If%20your%20payment%20arrives%20more%20than%20ten%20days%20late%20two%20times%20within%20a%20six-month%20period%2C%20the%20penalty%20rate%20will%20apply.%94%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EAn%20introductory%20APR.%20A%20different%20rate%20will%20apply%20after%20the%20introductory%20rate%20expires.%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EA%20delayed%20APR.%20A%20different%20rate%20will%20apply%20in%20the%20future.%20For%20example%2C%20a%20card%20may%20advertise%20that%20there%20is%20%93no%20interest%20until%20next%20March.%94%20Look%20for%20the%20APR%20that%20will%20be%20in%20effect%20after%20March.%3C%2Fp%3E%0D%0A%09%09%09%09%09%09%3Cp%3EIf%20you%20carry%20over%20a%20part%20of%20your%20balance%20from%20month%20to%20month%2C%20even%20a%20small%20difference%20in%20the%20APR%20can%20make%20a%20big%20difference%20in%20how%20much%20you%20will%20pay%20over%20a%20year.%3C%2Fp%3E%0D%0A%09%09%09%09%09

Apr credit card

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