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Credit Cards

Annual Percentage Rate (APR)

Greetings, class. Today, we will be discussing an important concept in the world of finance: the annual percentage rate, or APR. This is the interest rate that is charged to credit card holders on any balances that are not paid in full by the due date. While some card issuers may advertise a seemingly low monthly interest rate, it's important to note that when calculated over the course of a year, this rate can reach as high as 43%.

Card Holder Agreement

As a financial expert, I'm sure you're familiar with the fine print statement of terms and conditions that one must sign when obtaining a credit card. This document outlines...

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Classic Card

One of the most popular payment methods used today is the VISA-branded card. This card allows individuals to make purchases at a wide range of merchants, both online and in-...

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Online Debit Card

Debit cards are a popular form of payment, especially in the digital world. These cards allow for instant deduction of funds from the card holder's bank account. To make a p...

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Free Credit Period

In the world of finance, there exists a concept known as a free credit period. This period, typically lasting between 20 to 50 days, is a time frame in which the card holder...

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