Sentences with phrase «variable rate cards»

Interest rates increased on variable rate cards earlier this year after the Federal Reserve raised its benchmark interest rate by a quarter of a percent.

(Nearly all U.S. credit cards are variable rate cards, and nearly all of those have rates tied to prime.)

Most U.S. credit cards are variable rate cards tied to the prime, so an interest rate hike by the Fed would have a big impact.

Most variable rate cards are expected to rise by the same amount.

The deadline for the changes to take effect is July 1, 2010, although some issuers may roll out revamped statements sooner... (more) Consumers gain right to opt out of credit card rate increases — The first phase of the new Credit CARD Act of 2009 kicked in Aug. 20, lengthening notice requirements and giving consumers the right to opt out of rate increases... (more) Fixed rates shift to variable rates — Seven months in advance of the new rules that would limit an issuer's ability to alter a fixed rate account, credit cardholders are being moved to variable rate cards... (more) Credit card issuers: Sorry, new law says we can't cut your rates — Credit card issuers turn on its head the reform law that bans sudden rate increases; they say that it also forbids quick rate cuts... (more)

Almost all cards on the market today are variable rate cards, pegged to the prime rate.

Consumers who carry a credit card balance should be particularly wary going forward, as most variable rate cards are pegged to the prime rate and many charge rates of 18 percent or more.

a. Variable Rate Cards.

For instance, a variable rate card might offer higher rewards for purchases made in one or two categories, such as gas, groceries, entertainment or dining out, and then all other purchases will earn 1 percent back.

Not exact matches

Because most credit cards have a variable rate directly tied to the Fed's benchmark rate, that quarter - point increase will show up as soon as the next billing cycle, McBride said.

«The cumulative effect of interest rate hikes is going to begin mounting,» said Greg McBride, Bankrate.com's chief financial analyst, particularly on variable - rate loans such as credit cards, home equity lines of credit and adjustable - rate mortgages, which could rise within one to two statement cycles.

Before you sign up for any card, know the interest rates and whether they are fixed or variable, and understand the factors that can allow your credit card company to change it.

This will have an impact on anyone with a credit product — like a credit card or loan — with a variable interest rate.

Most credit cards have variable interest rates, so when the Fed raises rates, your credit card issuer quickly follows suit.

What you will find is that nearly every card on the market will offer a variable APR that is based on the Prime Rate.

Fixed vs. Variable Regular APR — Fixed is preferred for most people carrying a balance on a credit card since this means your interest rate won't change, but variable rates can be beneficial too as long as you understand the range on which your interest rate cVariable Regular APR — Fixed is preferred for most people carrying a balance on a credit card since this means your interest rate won't change, but variable rates can be beneficial too as long as you understand the range on which your interest rate cvariable rates can be beneficial too as long as you understand the range on which your interest rate can vary.

The purchase APR rate can be as low as a variable 13.15 %, and the annual fee is $ 25 per card.

Banks» prime rates are also tied to variable rates on products like credit cards, adjustable - rate mortgages, or variable - rate student loans.

In response to this and other changes, most issuers decided to ditch fixed - rate cards and make their credit card interest rates variable.

Credit card interest rates — particularly variable rates — generally rise and fall along with the prime interest rate.

Credit card interest rates are often variable and track the prime rate, which is tied to the federal funds rate.

Each uptick can directly and indirectly generate rate increases on consumer debt — especially in variable - rate products like credit cards, home equity lines of credit and private student loans.

Often, the card will have a «variable» rate, which is tied to some other economic «index» such as the prime rate.

That means credit cards, home equity lines of credit (HELOCs), and other variable - rate products will get more expensive.

Drawback: The Discover it ® Secured Card — No Annual Fee has a high interest rate (24.49 % Variable).

When the Fed raises its target — tightening monetary policy — our variable - rate debts (i.e. credit cards) get more expensive, but we stand to earn more on our savings.

If you read the fine print of credit card offers, you'll notice that credit card companies say their interest rates are variable.

That means that if you have variable - rate credit card or private student loan debt, your rate just went up.

Applicants must good to excellent credit to qualify for this card that offers 0 % interest on balance transfers and purchases for 18 months which then raises to 13.24 % -23.24 % variable rate.

Mortgages on property, home equity lending, student loans, car loans and credit card lending can be offered at variable, adjustable or fixed interest rates.

The card has a $ 0 annual fee, a 23.99 % (variable) cash advance rate and annual percentage rates of either 14.99 %, 17.99 %, 20.99 % or 24.99 %.

After that, a variable rate between 13.9 % and 24.9 % will kick in... such is the nature of credit cards.

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It works similar to a credit card, with a variable interest rate and a line of credit that you can continually draw from.

Most credit cards nowadays have variable interest rates which fluctuate with market rates so the interest rate you're paying today may wind up being lower tomorrow.

After the introductory period, the card offers a variable APR, and it's very reasonable — especially if you qualify for the minimum rate.

This means that if the issuer decides to switch your fixed rate card to a variable rate, or change the formula for deciding how your variable rate is figured, you have to be properly notified.

Variable: In this case, your credit card interest rate is determined by a formula that takes into account the changing market.

Drawback: The Discover it ® Secured Card — No Annual Fee has a high interest rate (24.49 % Variable).

A floor is the minimum APR that an issuer will charge for a variable rate credit card.

With a variable - rate credit card, the interest rate is directly correlated to an underlying interest rate index, moving up or down along with it.

In short, it's the rate at which financial institutions loan each other money overnight and has a direct impact on those consumers who are carrying credit card accounts with variable interest rates.

Most of the time, the APR that credit card advertise, and the rate that is figured as variable or fixed, is the purchase APR..

Credit card companies charge a variable rate, based in part on your credit score.

The Chase Slate Credit Card begins with an introductory annual percentage rate (APR) of 0 % lasting for 15 months which increases to a rate ranging from 13.24 % to 23.24 % (variable).

Whether or not the rate is fixed or variable is indicated on the then - current Rates and Fees Table accompanying your card or otherwise provided to you by us.

The variable Periodic Rate and ANNUAL PERCENTAGE RATE applicable to your Card will be set forth on the Rate & Fee Disclosure provided with your Card and will be governed by the Periodic Rate and ANNUAL PERCENTAGE RATE terms set forth beRate and ANNUAL PERCENTAGE RATE applicable to your Card will be set forth on the Rate & Fee Disclosure provided with your Card and will be governed by the Periodic Rate and ANNUAL PERCENTAGE RATE terms set forth beRATE applicable to your Card will be set forth on the Rate & Fee Disclosure provided with your Card and will be governed by the Periodic Rate and ANNUAL PERCENTAGE RATE terms set forth beRate & Fee Disclosure provided with your Card and will be governed by the Periodic Rate and ANNUAL PERCENTAGE RATE terms set forth beRate and ANNUAL PERCENTAGE RATE terms set forth beRATE terms set forth below.

A variable - rate credit card, however, has an interest rate that fluctuates with current market rates.