{"id":67,"date":"2015-11-03T20:19:51","date_gmt":"2015-11-03T20:19:51","guid":{"rendered":"http:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/?p=67"},"modified":"2020-08-12T11:21:40","modified_gmt":"2020-08-12T18:21:40","slug":"did-you-know-credit-card-aprs","status":"publish","type":"post","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/did-you-know-credit-card-aprs\/","title":{"rendered":"Did you know? Credit Card APRs…"},"content":{"rendered":"

Did you know your credit card may use 2 different APRs, a standard one and a higher, Penalty APR (also called Default APR)? If you are more than 60 days late on your monthly payment, the creditor may apply the higher Penalty APR to all your outstanding balances. So try your best to pay your bills on time!<\/p>\n","protected":false},"excerpt":{"rendered":"

Did you know your credit card may use 2 different APRs, a standard one and a higher, Penalty APR (also called Default APR)? If you are more than 60 days late on your monthly payment, the creditor may apply the higher Penalty APR to all your outstanding balances. So try your best to pay your … Continue reading Did you know? Credit Card APRs…<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-67","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"\nDid you know? Credit Card APRs... - Fast Credit Solutions<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/did-you-know-credit-card-aprs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Did you know? Credit Card APRs... - Fast Credit Solutions\" \/>\n<meta property=\"og:description\" content=\"Did you know your credit card may use 2 different APRs, a standard one and a higher, Penalty APR (also called Default APR)? If you are more than 60 days late on your monthly payment, the creditor may apply the higher Penalty APR to all your outstanding balances. So try your best to pay your … Continue reading Did you know? Credit Card APRs…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/did-you-know-credit-card-aprs\/\" \/>\n<meta property=\"og:site_name\" content=\"Fast Credit Solutions\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fastcreditsolutions\" \/>\n<meta property=\"article:published_time\" content=\"2015-11-03T20:19:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-12T18:21:40+00:00\" \/>\n<meta name=\"author\" content=\"fcsadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fastcreditfix\" \/>\n<meta name=\"twitter:site\" content=\"@fastcreditfix\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"fcsadmin\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fastcreditsolutions.net\\\/credit_repair_blog\\\/did-you-know-credit-card-aprs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fastcreditsolutions.net\\\/credit_repair_blog\\\/did-you-know-credit-card-aprs\\\/\"},\"author\":{\"name\":\"fcsadmin\",\"@id\":\"https:\\\/\\\/www.fastcreditsolutions.net\\\/credit_repair_blog\\\/#\\\/schema\\\/person\\\/1d4142267d27456ad71dbb7bf58974b4\"},\"headline\":\"Did you know? 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This rate is used as a benchmark for other interest rates, including the prime rate. The prime rate is the interest rate that banks charge their most creditworthy\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"Federal Funds Rate Increase. Federal Reserve (FED) Building","src":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2023\/07\/federal-reserve.jpg?fit=474%2C313&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":84,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/tip-for-transferring-credit-card-balance\/","url_meta":{"origin":67,"position":1},"title":"Tip For Transferring Your Credit Card Balance","author":"fcsadmin","date":"February 3, 2016","format":false,"excerpt":"Shop around before you transfer your credit card balance to a new card. Look for 0% intro APR on the balance you\u00a0want to\u00a0transfer. Check for any balance transfer fees.","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":844,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/the-high-cost-of-silence-why-ignoring-your-credit-is-the-most-expensive-mistake-of-2026\/","url_meta":{"origin":67,"position":2},"title":"The High Cost of Silence: Why Ignoring Your Credit is the Most Expensive Mistake of 2026","author":"Daniel LVWS","date":"January 24, 2026","format":false,"excerpt":"For many, credit repair feels like a \"someday\" project\u2014something to be tackled when the bank account is fuller or life is less chaotic. But in 2026, the financial landscape has shifted. We are no longer just dealing with higher interest rates; we are dealing with a dual-tiered economy. There is\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":589,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/the-feds-rate-increase-affects-your-credit-card-debt\/","url_meta":{"origin":67,"position":3},"title":"The Fed’s Rate Increase Affects Your Credit Card Debt","author":"fcsadmin","date":"May 4, 2023","format":false,"excerpt":"The Federal Funds Rate Has Increased The Federal Reserve (the Fed) has increased the federal fund rate by 25 basis points this week. It's worth noting that the Fed's decisions on interest rates are based on a variety of economic indicators, such as inflation, employment, and GDP growth. These indicators\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":210,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/can-credit-debt-affect-your-gpa\/","url_meta":{"origin":67,"position":4},"title":"Can Credit Debt Affect Your GPA?","author":"fcsadmin","date":"April 13, 2018","format":false,"excerpt":"\"Researchers have found that students who felt stressed financially had lower grades than those who did not.\" Credit card debt can add an extra financial stress on students. Normally, credit cards have a higher interest rate than other types of loans. A student with higher credit card debt may have\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":304,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/improve-your-credit-score-and-reduce-your-credit-card-interest-rates\/","url_meta":{"origin":67,"position":5},"title":"Improve your credit score and reduce your credit card interest rates","author":"fcsadmin","date":"June 27, 2019","format":false,"excerpt":"Your bad credit isn\u2019t just a nuisance; it will impact every area of your life. When you finally decide to take matters into your own hands and fix your credit problems, many areas of your life will improve. 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