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Importance of Standard Credit Card APR

Among various financial products, the standard credit card APR is quite famous because of its high interest rate. If the standard credit card APR the card can be more attractive amongst customers. Potential customers prefer cards with lower APR rates. As your repayment is totally dependant on APR, it is of deep significance.Choose the best credit card at

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So what do you know about APR? APR is said to be the most essential feature of a standard credit card. Around the world, especially in western countries, such as the US, standard credit cards are supposed to be the most convenient method of payment. You can pay for the good you have purchased. So standard credit cards are considered as one the mode of payment against goods and services you have availed of.

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Hot Credit Card Offers
Type Brand Annual Fee APR Cashback Bonus Details/Apply
The First Progress Platinum Elite MasterCard(R) Secured Credit Card
$29 19.99% N/A


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In addition, there are many people who use credit cards to clear their outstanding balances in full each month. Majority of consumers, however, make minimum payments against their outstanding balances. It is generally believed that standard credit cards tend to charge a higher interest rate. As lines become blurry and competition within the credit card industry intensifies, one cannot say for certain that this is always true.

It is important for anyone who is using the standard credit card to make full payment against his or her outstanding amount each month. The most amazing feature of standard credit card is that it allows you an interest free period of around 45 to 50 days during per cycle. So you can manage to arrange payment against your credit card bill.

However, in case of you fail to make full payment against your standard credit card bill, then you may be charged a higher APR, as disclosed in the terms when you sign up for a credit card. As mentioned above, the standard credit cards usually come with higher APR. Therefore, in order to avoid such circumstance, one should make full payment against his or her standard credit card bill.

You should always avoid paying amount against interest. x But the thing is that you should clear your outstanding balance in between the cover period, which you are allowed. So it is recommended by the financial experts not to make minimum payments against your standard credit card bills, but instead make an attempt to pay in full. By doing this you can avoid higher standard credit card APR and also avoid getting into the debt trap.

At, you can apply for your credit card online and receive an instant approval, where possible. That’s about as easy as it gets.

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