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Credit Card Rates Stand at 4 Year High Mark January 12, 2012 - 5:05 pmThe current rates of credit cards are as high as they have ever been in the last four years with the national average on new card offers standing at 15.14%. Just six months ago, the rates were averaging 14.75%. These rates are just the national average and many credit card holders are actually paying much higher rates.
Unlike other interest rates including those for mortgages which are seeing 50 year lows, credit card interest rates are getting higher. Even the best customers are paying around 3.25% on monthly interest charges.
Experts contend the skyrocketing rates are largely an ‘unintended consequence’ of the Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) which was passed by Congress in order to stop unfair practices by the credit…
Credit Card Blog
How to Apply for the Right Hotel Rewards Credit Card November 22, 2011 - 6:27 amOne of the primary things to consider when you want to apply for a credit card offering rewards is exactly what rewards make sense for your life. In many cases, consumers who do a lot of traveling will apply for a airline miles rewards credit card which provides them with ample opportunity to rack up airline miles. These airline rewards enable card users to book free flights for themselves and maybe even other traveling companions. Most airline rewards cards offer additional discounts and resources which make sense to travelers.
However, there may be a point where there are only so many airline miles to be attained. In this case, a frequent flier may consider switching to a new credit card that offers relevant rewards such…
Spotlight Average Credit Card Rates in December 2011 December 23, 2011 - 11:14 am
Average credit card interest rates for consumers and businesses changed during the first half of December, 2011 despite a stable US bank prime rate of 3.25%. Not all credit card interest rates are directly linked to the prime rate and there are a variety of reasons why the average credit card interest rates might change even with a stable US bank prime rate.
December 2011 Average Credit Card Rates
In December, the difference between interest rates for individuals with good credit compared to individuals with average credit narrowed, dropping between a half a percent to 3.57%. The overall average interest rate for all credit cards is 16.71%.
The only category of credit cards which did not change their average interest rates this quarter are business credit cards.…
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