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Interest rates represent the cost of borrowing and are a primary factor in a card's rating.

: Some cards offer 0% APR for an initial period (usually 6–12 months). Rates typically increase significantly after this period. 2. Assess Fees and Charges rate credit card

: In some regions, services like interest payments or annual fees may be subject to additional taxes, such as an 18% GST in India. 3. Review Card Features and Rewards Interest rates represent the cost of borrowing and

: This is the yearly interest rate charged on unpaid balances. It includes fees and additional costs associated with borrowing. rate credit card