Multiple APRs
Several annual interest rate overall
Only one credit card may be several years of effective interest rate:
An annual interest rate effective for purchases, another for cash and another for balance transfers. The annual percentage rate for cash withdrawals and balance transfers are often higher than the annual interest rate effective for purchases (for example, 14% for purchases, 18% for withdrawals d money and 19% for a balance between transfers).
Hiérarchisée rates effective annual interest. Rates are at different levels of residual debt (for example 16% credit of $ 1 - $ 500 and 17% on the accounts of more than 500 euros).
A penalty APR. The May increase in April, if you delay in payments. For example, your credit card agreement may say: “If your payment arrives more than ten days, twice, within six months, the penalty is applicable.”
A delay APR. Another is the rate in the future. For example, a map May candidacy, he “has no interest until next year in March.” See what the annual percentage rate is in effect in March. If you have a portion of your balance every month, even a small difference in interest rates effective annual may be a big difference, as many of you pay more than a year.