Apr là gì

You may have sầu seen the term Atruyền bá, or annual percentage rate, used in reference to lớn everything from mortgages and tự động loans lớn credit cards. In this piece, we look at credit card APRs—which you’ve sầu probably seen listed on your monthly statements. Knowing what an Aquảng cáo is, how it’s calculated and how it’s applied can help you make more informed credit thẻ decisions.

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Atruyền bá is an annualized representation of your interest rate. When deciding between credit cards, Alăng xê can help you compare how expensive a transaction will be on each one. It’s helpful khổng lồ consider two main things about how Aquảng cáo works: how it’s applied & how it’s calculated.


Generally, credit card companies offer a grace period for new purchases. If you only make purchases & pay off your ending balance each month by the due date, you pay just the amount you owe with no interest. However, if you opt to lớn carry a balance on your thẻ, you pay the agreed-upon interest on your outstanding balance.


Many variable interest rates start by using an index, such as the U.S. Prime Rate, & then add a margin. The result is the Aquảng bá. Variable rates can change if the index changes, và some banks offer a non-variable APR as well. Here’s an example of how the rate is set:


The U.S. Prime Rate, as published in the Wall Street Journal

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The margin the ngân hàng charges

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Annual percentage rate

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Banks use a formula to determine how much interest you pay on your outstanding balance. They calculate it using a daily or monthly periodic rate, depending on the thẻ.

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Keep in mind some accounts have multiple APRs, so this calculation may be applied for each one. The statement gives you more information about how khổng lồ calculate the balance subject to interest rate.

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Annual percentage rate

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Days in a year

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There are different APRs based on how you use your credit card. When you’re selecting a credit thẻ, it’s a good idea to consider these rates in addition to your credit needs.


Chuyên mục: Công Nghệ