Fixed-rate credit cards

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Updated: 3/27/2003 1:08 pm
A fixed rate credit card offers a standard interest rate on any balance you carry from month to month. This fixed rate will be stated on your credit card agreement and on your monthly statement. This rate may change, but not as often as a variable rate card. Generally, you will be notified in advance of any change, usually by a notice accompanying your statement. A fixed rate card may offer a lower interest rate for a short time to persuade new members to sign up or to transfer outstanding balances from other credit cards. However, these lower rates will often return to a higher original rate at a later time. No matter what the interest rate is, check the agreement or your monthly statement to see how you can use your credit card more efficiently. For more information, contact a financial institution or credit card company.

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