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This site provides general guidance and information. It is not intended as, nor should it be taken  to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions. This site as an affiliate represents the following sites above and is not responsible for their content.

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Understanding Creditor Statements APR:Annual Percentage Rate Minimum Payment Due New Balance Finance Charge or Interest Grace Period Due Dates Credit Card Limits Types of Debt Secured Debt Unsecured Debt Good vs. Bad Debt National Consumer Debt Credit Card Debt Home Loans Student Loans Auto Loans Medical Bills About Credit Credit Reporting Credit Scoring Effects of Scoring Credit Repair Credit Card and Divorce Joint Accounts Names on Utilities Credit Cards Equity Credit Lines Other More Info from our sister site Resources

APR - Annual Percentage Rate       The APR is the amount of interest you will pay on an annual basis. The APR is an important factor in calculating your monthly finance charges. The higher this rate, the more money it will cost you to use this credit and the more debt you will accumulate by not paying off the card. On most credit card statements, the APR is presented as both the APR and either a Daily Periodic Rate or a Monthly Periodic Rate. These rates are negotiated and can be decreased by using a debt consolidation plan.