Credit Cards

• 13.76% (all fixed)
• 14.53% (all variable)

Here's a look at the state of credit card rates from Bankrate.com's weekly national survey of large banks and thrifts conducted Nov. 10, 2010.

The average interest rate for purchases on fixed-rate credit cards remains unchanged at 13.76 percent. The mean variable rate is up 2 basis points this week at 14.53 percent, a new record high.

On Wednesday, the Federal Reserve Board rolled out a new online guide to credit reports and credit scores. Presented in FAQ format, the fact sheet explains the basics of credit reports and scores, hitting topics such as how long negative information can remain in your credit report and what causes credit scores to change.

The Credit Card Adviser column at Bankrate.com offers answers to other common questions about credit, such as how to improve your credit score.

Bankrate.com makes it easier to find low-rate credit cards and credit cards with rewards. You can search by issuer, card type or credit score.