credit cards

National credit card rates for July 21, 2011

Interest Rate Roundup
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Credit Cards

  • 13.36% (all fixed)
  • 14.4% (all variable)

Credit card rates stayed steady from last week, according to Bankrate's latest survey of interest rates. The average APR for variable-rate credit cards remained at 14.4 percent, while the fixed rate stood at 13.36 percent. It hasn't budged all year.

Credit card issuers are required to send out new credit score disclosures starting Thursday. Consumers who receive less-than-favorable terms on a loan or line of credit will receive the credit score used to make that decision along with additional information about the score. Consumers who are denied credit will also get the disclosure. The goal is to make consumers more aware of how their financial behavior affects access to, and the pricing of, credit.

 

 

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Product Rate Change Last week
Balance Transfer Cards 15.71%  0.01 15.72%
Cash Back Cards 16.41%  0.01 16.40%
Low Interest Cards 10.86% --0.00 10.86%
 
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Credit Card Blog

Jeanine Skowronski

CFPB: Lender distorted credit reports

The Consumer Financial Protection Bureau has an eye on credit reporting issues. The agency took enforcement action against auto financer First Investors Financial Services Group Inc. Wednesday for distorting consumer credit records for years. Per the CFPB, First Investors, which lends primarily to subprime borrowers, failed to fix known flaws in a computer system that  ... Read more

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