Source for credit cards
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Source for credit cards
Products Free
StuffSite
Map
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Annual Percentage Rate (APR) When you have an outstanding balance and you want to calculate the finance charge on it you do it through Annual Percentage Rate (APR). It is a periodic rate which is shown on a yearly basis. The aim of calculating the APR is to figure out the total cost of borrowing. It helps in comparing lenders and loan options. In credit-card terms an APR states the interest rate a customer will have to pay in-case he carries over a balance, takes a cash advance or borrows a balance from another credit card. Almost every credit-card out there has an associated APR which the credit card company uses to calculate loans again the borrowed money. This is generally applicable if the credit card owner does not pay back the borrowed amount on time as per the terms. The credit card company generally discloses the APR rate in the initial agreement given to the customer. APR can change over a period of time and generally when this happens the credit card company informs the customer. More Credit-Card Terms Explained |
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