This is a common rate used by banks and credit card companies to set their interest rates on loans and credit cards.

Regardless of whether or not you use your credit card, some credit card companies charge a(n)

One benefit to having a credit card is that you can

Your interest rate on your credit card may rise if you

If you are vacationing with your family in Germany and you purchase souvenirs with your credit card, you may be charged a __________ to convert the monetary units.

You made a purchase this month and were charged interest on the purchase. To be charged interest on a purchase, you must carry a __________ on your card.

__________ is expressed as a yearly rate.

You may be charged a __________ if you continually do not make your payments on time.

Some credit cards let you earn cash back or offer other kinds of

To avoid paying interest on purchases, you should pay more than the

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