Interest rates on credit cards — and other consumer loans — generally move in tandem with Fed policy, according to a barometer known as the “prime rate.” However, credit card...
Show Less ; 0% Intro APR ; No Penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply ; Score for free within Online Banking or your Mobile Banking app.
Those with excellent credit receive the lowest rates, and those with no credit or bad credit... Personal Loan Interest Rates Interest rates for credit cards tend to run in a similar range...
Key takeaways ; If you're not happy with your credit card's interest rate, you could try to negotiate with your card issuer. ; Do your research on your account’s history and terms, as well as competing card offers, so you can make an informed argument. ; Improving your credit score tends to be an effective way to wrangle a lower interest rate.
Vault’s Viewpoint ; With credit card interest rates averaging over 20%, cardholders who carry a balance can rack up quite a bit of extra debt. ; You might be able to get a lower interest rate by simply calling and asking your lender to lower it. ; Balance transfer offers and low APR credit cards are great tools for people needing a lower-interest borrowing option or to pay down existing debt.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money. The information for the following product(s) has been collected independently by Business Insider: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® Double Cash Card, Citi Simplicity® Card, U.S. Bank Visa® Plat ...
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