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Fixed Rates If your rate is fixed you’re given a precise number, say 12.9% or 14.9% that the credit card issuer will stick to each month, no matter what changes may occur in the world economy or the big financial indexes. Card issuers can still change this rate, but they’re required by law to tell you first and give you the option of canceling your card. Be aware, however, that some cards may appear to have “fixed rates,” yet the fine print says that these fixed rates will automatically increase if you make late payments. |