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Idea from Patrick Hearn


What is APR and why should I care?


Imagine you're a student applying for your first credit card. The number that matters to you is the credit limit—not the APR. But this is a trap that far too many first-time credit card users fall into. A lower annual percentage rate (APR) means lower monthly payments. This article will break down how APR is determined, why it should matter, and the dangers of choosing a credit card with a high APR.


Patrick Hearn

Industry Category

Find writers and ideas in Finance


  • credit card
  • students
  • financial education