Credit Card Rates have remained stable due to the Fed remaining steady on interest rates. There was the thought that the Fed was preparing to drop the interest rates, but in light of recent financial news that suggests a hotter US business market than though, the rates will most likely stay the same or even be raised the next time the Feds meet.
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Even though I pay balances in full every month, it is always important to stay in tune with the credit card rates. If your rates are too high, spend a few minutes on the phone and ask for your rates to be lowered.
Glad I paid off all my credit cards last year then.