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APR and the cardholder. Generally, lenders cannot change the APR for the first 12 months. However, an APR can change in that period if it’s a promotional or variable rate or if the terms and conditions are violated. Consumers should review terms and conditions, including the APR, before using their cards.
What does APR mean? A credit card’s interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate.
What Does APR Mean? APR stands for annual percentage rate . It's different from the interest rate in that it not only includes interest costs , but also fees related to a loan.
APR: A Basic Definition. The APR is the annual percentage rate that is charged to a customer for any amount not paid before interest is accrued. It includes the actual rate of interest as well as any fees that are charged for the purchase. In essence, it is the total cost of financing whatever you are buying.
Annual percentage rate, or APR, is one you should definitely understand. What is APR? The annual percentage rate is what your lender charges you to borrow money — it’s the “price” of your loan. Here’s how APR works in very basic form: Imagine you take out a $20,000 auto loan at 7.5 percent fixed APR for five years.
What is APR? APR stands for annual percentage rate, an acronym for an interest rate stated as a yearly rate, which can include fees you may be charged on a loan. For credit cards, interest rate and APR are typically the same thing. Read more to find out how APRs might affect you.