Here's a look at the state of credit card rates from Bankrate.com's weekly national survey of large banks and thrifts conducted Jan. 20, 2010.
Credit CardsRates: 13.41 percent (standard fixed); 11.74 percent (standard variable)
Fixed interest rates on credit cards tumbled this week while variable rates rose. For all cards, the average fixed rate fell 13 basis points to 12.3 percent. On standard cards, the average fixed APR dropped 6 basis points to 13.41 percent from 13.47 percent, where it had stood for six weeks.
The mean variable rate for all cards increased to 11.98 percent, up 7 basis points from last week. On standard cards, the average variable rate moved up 13 basis points to 11.74 percent.
The average credit score has held steady at 671 since October, according to the latest U.S. Credit Score Climate Report from Credit Karma, a Web site that provides free access to TransRisk credit scores. Credit scores have dropped two points since July, and six points since the start of 2009. TransRisk scores run from 100 to 900, with higher scores indicating lower risk.
Credit card debt rose nationally by 18 percent from July among consumers with credit cards.
You can find your best credit card deal -- by type -- at Bankrate's interactive tool.
See all credit card rates content.
-- Leslie McFadden