Credit card issuers are allowed to charge whatever interest rate they want; they only have to disclose the rate in the card's terms and conditions. You should always make sure you know the interest rate range of the card you apply for, and when you receive the card, check the rate you were approved for.average credit card interest rate is about 15%
, so anything below that number would be considered a relatively good APR. Of course, no APR is better than a low APR, so if you're able to take advantage of an intro APR offer that waives interest on balance transfers and/or purchases, you'll come out even further ahead.If you feel your credit card's APR rate is high, you're not alone.
While credit card APRs are high in general, the specific APR you're assigned on your credit card falls within a range. The higher your , the lower your APR will generally be. That's because a high credit score generally indicates that you've successfully paid off your credit card debts in a timely manner.Beyond applying for a credit card with an introductory APR offer, you can contact your credit card issuer and request a decrease to your APR.
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