{"id":67579,"date":"2023-01-25T12:07:13","date_gmt":"2023-01-25T06:37:13","guid":{"rendered":"https:\/\/www.the-next-tech.com\/?post_type=web-story&#038;p=67579"},"modified":"2023-01-25T12:07:18","modified_gmt":"2023-01-25T06:37:18","slug":"understanding-credit-card-interest-rates-how-to-minimize-them","status":"publish","type":"web-story","link":"https:\/\/www.the-next-tech.com\/web-stories\/understanding-credit-card-interest-rates-how-to-minimize-them\/","title":{"rendered":"Understanding Credit Card Interest Rates &#038; How To Minimize Them"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Open+Sans%3Awght%40700\" rel=\"stylesheet\"\/>\n<style amp-boilerplate=\"\">body{-webkit-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-moz-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-ms-animation:-amp-start 8s steps(1,end) 0s 1 normal both;animation:-amp-start 8s steps(1,end) 0s 1 normal both}@-webkit-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-moz-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-ms-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-o-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}<\/style>\n<p><noscript><\/p>\n<style amp-boilerplate=\"\">body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none}<\/style>\n<p><\/noscript><\/p>\n<style amp-custom=\"\">\n              h1, h2, h3 { font-weight: normal; 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How To Minimize Them<\/title><link rel=\"canonical\" href=\"https:\/\/www.the-next-tech.com\/?post_type=web-story&amp;p=67579\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"The Next Tech\" publisher-logo-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2022\/07\/22163006\/tnt_logo.png\" title=\"Understanding Credit Card Interest Rates &amp; How To Minimize Them\" poster-portrait-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2023\/01\/25120300\/Cover-Image-94.jpg\"><amp-story-page id=\"7e31cfc0-7c02-4105-9e94-6eab50bed0ba\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f5ecdd\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-eb42c832-7647-49a4-8989-1ef773135684\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-6.06796%;top:0;width:113.59223%;height:50%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a7c52a4e-8776-44cb-9952-9a31c6d5640f\">\n<div style=\"position:absolute;width:100%;height:100.90265%;left:0%;top:-0.45132%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/img.freepik.com\/premium-vector\/application-banking-buy-buyer-buying-card-checkout-commerce-commercial-computer-consumeris_327176-574.jpg?w=740\" alt=\"application-banking-buy-buyer-buying-card-checkout-commerce-commercial-computer-consumeris_327176-574.jpg\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:59.06149%;width:74.27184%;height:34.78964%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 0.9302325581395349% 0.9302325581395349% 0.9302325581395349% 0.9302325581395349%\" id=\"el-7086dec4-90da-4eb8-a77d-866a1e1e8143\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9254206239787581% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.566343em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Understanding_Credit_Card_Interest_Rates_How_To_Minimize_Them\"><\/span><span><span style=\"font-weight: 700; color: #800f2f\">Understanding Credit Card Interest Rates &amp; How To Minimize Them<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"fd237599-bd33-467c-aae0-ad5daded0128\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-92b8334c-73bf-46c4-a265-e0544b227575\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3343554f-95b3-4069-a116-89f321f716c2\",\"keyframes\":{\"transform\":[\"translate3d(0px, -175.76104%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#d4e4c0\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-247f4aca-6e98-438b-a316-c4aba65b8288\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.67961%;top:26.53722%;width:78.8835%;height:47.24919%;opacity:1\">\n<div id=\"anim-92b8334c-73bf-46c4-a265-e0544b227575\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3343554f-95b3-4069-a116-89f321f716c2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -175.76104%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6153846153846154% 0.6153846153846154% 0.6153846153846154% 0.6153846153846154% \/ 0.684931506849315% 0.684931506849315% 0.684931506849315% 0.684931506849315%\" id=\"el-b888aa02-cf80-44aa-a2af-61b46b6cfe86\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7468449519230769% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Credit_card_interest_rates_also_known_as_annual_percentage_rates_APRs_are_the_fees_charged_by_credit_card_issuers_for_borrowing_money\"><\/span><span><span style=\"font-weight: 700; color: #800f2f\">Credit card interest rates, also known as annual percentage rates (APRs), are the fees charged by credit card issuers for borrowing money.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"bf297b8f-1695-4df3-b217-c4adfb6e854b\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-26c240d7-a26d-42eb-aa1f-6611b04c31c4\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8c5a62f6-4d67-4e71-918a-a71bfa8e7a45\",\"keyframes\":{\"transform\":[\"translate3d(0px, 175.07610%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#590d22\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9dc98175-34d9-47a6-b8fd-2eec1cf9b451\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.1068%;top:26.53722%;width:74.27184%;height:47.24919%;opacity:1\">\n<div id=\"anim-26c240d7-a26d-42eb-aa1f-6611b04c31c4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-8c5a62f6-4d67-4e71-918a-a71bfa8e7a45\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 175.07610%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 0.684931506849315% 0.684931506849315% 0.684931506849315% 0.684931506849315%\" id=\"el-6f854711-81ec-4f33-8c9e-c93e9d2eb19b\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7932176776960784% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Interest_rates_can_vary_greatly_among_different_credit_cards_so_its_important_to_compare_rates_before_applying_for_a_card\"><\/span><span><span style=\"font-weight: 700; color: #fff599\">Interest rates can vary greatly among different credit cards, so it&#8217;s important to compare rates before applying for a card.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"0d3279a5-ef32-4464-a372-3b68f768841b\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-da554fd8-89cd-4eae-ad63-99e909e1a0e5\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":200,\"duration\":1400,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4d073792-e9ab-453a-9e57-f4812672d41c\",\"keyframes\":{\"transform\":[\"translate3d(-117.16172%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":200,\"duration\":1400,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#3a566e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-33d7b436-2164-41f4-8308-67ca76cf7e29\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:23.46278%;width:73.54369%;height:52.75081%;opacity:1\">\n<div id=\"anim-da554fd8-89cd-4eae-ad63-99e909e1a0e5\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-4d073792-e9ab-453a-9e57-f4812672d41c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-117.16172%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-7139ff27-facc-49ee-90c8-5742c74e73e4\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.2529167955858083% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.469256em;line-height:1.1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ffffb7\">The interest rate on a credit card can be either fixed or variable. A fixed rate will remain the same for the life of the account, while a variable rate can change based on market conditions.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"375afbb6-dad1-41db-9822-470133b49c47\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-599afc9b-46ac-4898-85f8-b4730ed9c8ba\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1c4d0766-e172-41ea-a046-812069e617ad\",\"keyframes\":{\"transform\":[\"translate3d(116.99347%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#152132\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d69df417-36c4-4484-8f57-6081005ce5d3\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.1068%;top:31.39159%;width:74.27184%;height:37.21683%;opacity:1\">\n<div id=\"anim-599afc9b-46ac-4898-85f8-b4730ed9c8ba\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-1c4d0766-e172-41ea-a046-812069e617ad\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(116.99347%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-ab3cbd5b-6776-4002-bb3e-c49fa5bc503e\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.8327301623774508% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.501618em;line-height:1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"_The_interest_rate_on_a_credit_card_is_typically_higher_than_the_interest_rate_on_other_forms_of_credit_such_as_loans_or_mortgages\"><\/span><span><span style=\"font-weight: 700; color: #a2f6fc\">&nbsp;The interest rate on a credit card is typically higher than the interest rate on other forms of credit, such as loans or mortgages.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"4667624d-c889-44cf-bb02-1b105c5f7ea9\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1ccac4e8-791b-4fb5-8a5b-3360098ab066\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#3f4f3e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2bdcd360-bbee-4a1b-8d95-da800762b3ea\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:20.71197%;width:75%;height:58.89968%;opacity:1\">\n<div id=\"anim-1ccac4e8-791b-4fb5-8a5b-3360098ab066\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6472491909385114% 0.6472491909385114% 0.6472491909385114% 0.6472491909385114% \/ 0.5494505494505495% 0.5494505494505495% 0.5494505494505495% 0.5494505494505495%\" id=\"el-b2c16b0d-3b54-45af-b957-d4d182d5d796\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7855165351941747% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Factors_that_can_affect_your_credit_cards_interest_rate_include_your_credit_score_payment_history_and_the_type_of_card_you_have_eg_rewards_card_student_card_etc\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Factors that can affect your credit card&#8217;s interest rate include your credit score, payment history, and the type of card you have (e.g. rewards card, student card, etc.).<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2127cad1-8f0a-4458-abd7-c93863958b04\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-04e67c43-a30a-44bb-9969-81aced13fc09\",\"keyframes\":{\"transform\":[\"translate3d(-117.32027%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e5b49da7-62f3-49cd-b355-fcfe874aabe8\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ba78b067-64ea-4100-9fef-1306d5dd7080\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fdf0d6\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-8a39d87e-2808-448d-ab4c-167aaa5e0bef\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:31.06796%;width:74.27184%;height:38.1877%;opacity:1\">\n<div id=\"anim-04e67c43-a30a-44bb-9969-81aced13fc09\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-117.32027%, 0px, 0)\">\n<div id=\"anim-e5b49da7-62f3-49cd-b355-fcfe874aabe8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-ba78b067-64ea-4100-9fef-1306d5dd7080\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 0.847457627118644% 0.847457627118644% 0.847457627118644% 0.847457627118644%\" id=\"el-4949bf31-f8ff-4bda-9b51-1389763d52c6\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.8918504901960782% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.517799em;line-height:1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"To_minimize_the_amount_of_interest_you_pay_on_your_credit_card_try_to_pay_off_your_balance_in_full_each_month\"><\/span><span><span style=\"font-weight: 700; color: #134f3c\">To minimize the amount of interest you pay on your credit card, try to pay off your balance in full each month.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"7aa9fe71-f1f4-4f92-88f0-e7729f85174f\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ddddd95d-30f1-45a7-887c-f99c886eec8d\",\"keyframes\":{\"transform\":[\"translate3d(115.55555%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1b15b6aa-c831-46dc-a22b-deecdad1287c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b5ead5e6-ea11-4407-af8c-e4dca7dbf818\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#444849\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-30ed9364-4674-4fa6-b142-5091a372f920\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:27.6699%;width:76.45631%;height:44.17476%;opacity:1\">\n<div id=\"anim-ddddd95d-30f1-45a7-887c-f99c886eec8d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(115.55555%, 0px, 0)\">\n<div id=\"anim-1b15b6aa-c831-46dc-a22b-deecdad1287c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-b5ead5e6-ea11-4407-af8c-e4dca7dbf818\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 0.7326007326007326% 0.7326007326007326% 0.7326007326007326% 0.7326007326007326%\" id=\"el-590c9280-1726-485f-9378-a920e9aff7e9\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.2943638392857143% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"You_can_also_minimize_interest_charges_by_making_payments_on_time_as_many_credit_cards_have_penalty_APRs_for_late_payments\"><\/span><span><span style=\"font-weight: 700; color: #ffcc4a\">You can also minimize interest charges by making payments on time, as many credit cards have penalty APRs for late payments.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"5ea31c28-0771-452b-8505-dd750abc316e\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a69414b6-3ced-40f2-9368-f3c63be07fae\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a913ee1e-3fbf-4d74-b487-db660b055c76\",\"keyframes\":{\"transform\":[\"scale(0.3333333333333333)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#eec2bc\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1b8a8976-d7d1-4e79-bccb-7213043b5d1b\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.59223%;top:20.71197%;width:73.05825%;height:47.57282%;opacity:1\">\n<div id=\"anim-a69414b6-3ced-40f2-9368-f3c63be07fae\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-a913ee1e-3fbf-4d74-b487-db660b055c76\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.3333333333333333)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6644518272425249% 0.6644518272425249% 0.6644518272425249% 0.6644518272425249% \/ 0.6802721088435374% 0.6802721088435374% 0.6802721088435374% 0.6802721088435374%\" id=\"el-b4dfc5e1-9209-41b4-9d8e-3dcd47dcabcc\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.19028368978405316% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.4;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Consider_setting_up_automatic_payments_to_ensure_that_you_never_miss_a_payment_and_incur_any_late_fee_or_penalty_rate\"><\/span><span><span style=\"font-weight: 700; color: #2d2a35\">Consider setting up automatic payments to ensure that you never miss a payment and incur any late fee or penalty rate.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"1ae8450f-958d-4bf4-80aa-806b10806f58\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3ee3c3f7-7b25-4e4e-a829-c55d9a2b31af\",\"keyframes\":[{\"transform\":\"scale(1)\",\"offset\":0},{\"transform\":\"scale(1.5)\",\"offset\":0.33},{\"transform\":\"scale(0.95)\",\"offset\":0.66},{\"transform\":\"scale(1)\",\"offset\":1}],\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#2d2a35\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-91a23631-0fdf-4c86-ba51-dd051e0f0c92\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:21.84466%;width:76.45631%;height:56.31068%;opacity:1\">\n<div id=\"anim-3ee3c3f7-7b25-4e4e-a829-c55d9a2b31af\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 0.5747126436781609% 0.5747126436781609% 0.5747126436781609% 0.5747126436781609%\" id=\"el-a6b0af25-0ece-47f2-8881-6697950d7a72\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.38960193452380976% 0;font-family:&quot;Open Sans&quot;,sans-serif;font-size:0.485437em;line-height:1.28;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Try_to_find_credit_card_that_offer_0_interest_rate_for_balance_transfer_or_purchases_for_a_limited_time_to_help_you_pay_off_balance_and_avoid_interest_charges\"><\/span><span><span style=\"font-weight: 700; color: #fff0d8\">Try to find credit card that offer 0% interest rate for balance transfer or purchases for a limited time to help you pay off balance and avoid interest charges.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In two ways credit card companies make their money are: The first is the fee they charge restaurants and other sellers of goods or services for using your credit card to purchase something.<\/p>\n","protected":false},"author":152,"featured_media":67587,"template":"","meta":{"web_stories_publisher_logo":59216,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[18190,18191,18200,15133,18185,18188,15134,18199,17590,18193,18186,18201,18192,18204,18187,18195,18198,18196,18202,18197,18203,18189,18194],"class_list":["post-67579","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"story_data":{"version":46,"pages":[{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"eb42c832-7647-49a4-8989-1ef773135684"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":false,"scale":100,"focalX":50,"focalY":50,"resource":{"type":"image","mimeType":"image\/jpeg","width":740,"height":493,"sizes":[],"isPlaceholder":false,"isExternal":true,"needsProxy":true,"src":"https:\/\/img.freepik.com\/premium-vector\/application-banking-buy-buyer-buying-card-checkout-commerce-commercial-computer-consumeris_327176-574.jpg?w=740","id":"ec80ae58-c047-4832-aaad-feee7037eab3","alt":"application-banking-buy-buyer-buying-card-checkout-commerce-commercial-computer-consumeris_327176-574.jpg","baseColor":"#f2e8d7"},"type":"image","x":-25,"y":0,"width":468,"height":309,"mask":{"type":"rectangle","showInLibrary":true,"name":"Rectangle","path":"M 0,0 1,0 1,1 0,1 0,0 Z","ratio":1,"supportsBorder":true},"id":"a7c52a4e-8776-44cb-9952-9a31c6d5640f"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"fontSize":35,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false,"horizontal":0,"vertical":0},"type":"text","content":"<span style=\"font-weight: 700; color: #800f2f\">Understanding Credit Card Interest Rates &amp; How To Minimize Them<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"x":53,"y":365,"width":306,"height":215,"id":"7086dec4-90da-4eb8-a77d-866a1e1e8143"}],"backgroundColor":{"color":{"r":245,"g":236,"b":221}},"type":"page","id":"7e31cfc0-7c02-4105-9e94-6eab50bed0ba"},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"247f4aca-6e98-438b-a316-c4aba65b8288"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"fontSize":30,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false,"horizontal":0,"vertical":0},"type":"text","content":"<span style=\"font-weight: 700; color: #800f2f\">Credit card interest rates, also known as annual percentage rates (APRs), are the fees charged by credit card issuers for borrowing money.<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"x":44,"y":164,"width":325,"height":292,"id":"b888aa02-cf80-44aa-a2af-61b46b6cfe86"}],"backgroundColor":{"color":{"r":212,"g":228,"b":192}},"type":"page","id":"fd237599-bd33-467c-aae0-ad5daded0128","animations":[{"id":"f4d645e1-6f0c-4211-993f-ed42eb8ffde6","type":"effect-fly-in","targets":["b888aa02-cf80-44aa-a2af-61b46b6cfe86"],"flyInDir":"topToBottom","duration":1500,"delay":0}]},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"9dc98175-34d9-47a6-b8fd-2eec1cf9b451"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"fontSize":30,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false,"horizontal":0,"vertical":0},"type":"text","content":"<span style=\"font-weight: 700; color: #fff599\">Interest rates can vary greatly among different credit cards, so it's important to compare rates before applying for a card.<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"x":54,"y":164,"width":306,"height":292,"id":"6f854711-81ec-4f33-8c9e-c93e9d2eb19b"}],"backgroundColor":{"color":{"r":89,"g":13,"b":34}},"type":"page","id":"bf297b8f-1695-4df3-b217-c4adfb6e854b","animations":[{"id":"59c86394-495d-4866-a49f-0e3698c4ab3c","type":"effect-fly-in","targets":["6f854711-81ec-4f33-8c9e-c93e9d2eb19b"],"flyInDir":"bottomToTop","duration":1500,"delay":0}]},{"elements":[{"x":1,"y":1,"width":1,"height":1,"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"mask":{"type":"rectangle"},"isBackground":true,"id":"33d7b436-2164-41f4-8308-67ca76cf7e29","type":"shape","isDefaultBackground":true,"basedOn":"b8ea29e5-ce25-4204-8660-afe56bb6b952"},{"x":52,"y":145,"width":303,"height":326,"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.1,"textAlign":"center","type":"text","id":"7139ff27-facc-49ee-90c8-5742c74e73e4","content":"<span style=\"font-weight: 700; color: #ffffb7\">The interest rate on a credit card can be either fixed or variable. A fixed rate will remain the same for the life of the account, while a variable rate can change based on market conditions.<\/span>","fontSize":29,"padding":{"horizontal":0,"vertical":0},"tagName":"p","basedOn":"5ad5b20a-e1ef-4341-a9ea-afc442cca079"}],"animations":[{"id":"923266f0-2b60-4c51-a07e-cfb6c5c468e6","type":"effect-fly-in","flyInDir":"leftToRight","duration":1400,"delay":200,"targets":["7139ff27-facc-49ee-90c8-5742c74e73e4"]}],"type":"page","id":"0d3279a5-ef32-4464-a372-3b68f768841b","backgroundColor":{"color":{"r":58,"g":86,"b":110}},"pageTemplateType":"quote"},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"id":"d69df417-36c4-4484-8f57-6081005ce5d3","type":"shape","basedOn":"f0c28e66-fa06-468a-abf2-b58701a1d704"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"fontSize":31,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false},"content":"<span style=\"font-weight: 700; color: #a2f6fc\">&nbsp;The interest rate on a credit card is typically higher than the interest rate on other forms of credit, such as loans or mortgages.<\/span>","borderRadius":{"locked":true,"topLeft":0,"topRight":0,"bottomRight":0,"bottomLeft":0},"width":306,"height":230,"basedOn":"51508948-08ab-4382-aa39-571326a74741","id":"ab3cbd5b-6776-4002-bb3e-c49fa5bc503e","x":54,"y":194,"type":"text"}],"animations":[{"id":"d21837ed-3f8c-41de-bc57-fd855652d086","type":"effect-fly-in","targets":["ab3cbd5b-6776-4002-bb3e-c49fa5bc503e"],"flyInDir":"rightToLeft","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":21,"g":33,"b":50}},"type":"page","id":"375afbb6-dad1-41db-9822-470133b49c47","pageTemplateType":"list","groups":{"f53a69c3-293c-42be-b4e4-2da6a4f9b81d":{"name":"Story 2","isLocked":false,"isCollapsed":true},"d85b35dc-4f71-4e07-8fe8-4e70bf0b00fa":{"name":"Story 1","isLocked":false,"isCollapsed":true}}},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"id":"2bdcd360-bbee-4a1b-8d95-da800762b3ea","type":"shape","basedOn":"03ab5547-440a-4cf8-a658-fab756136f9c"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Open Sans","fallbacks":["sans-serif"],"weights":[300,400,500,600,700,800],"styles":["regular","italic"],"variants":[[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2189,"des":-600,"tAsc":2189,"tDes":-600,"tLGap":0,"wAsc":2302,"wDes":651,"xH":1096,"capH":1462,"yMin":-557,"yMax":2146,"hAsc":2189,"hDes":-600,"lGap":0}},"fontSize":30,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false},"content":"<span style=\"font-weight: 700; 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