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Glossary and terms about credit cardsHome » Credit Card Glossary
Default APR
A default APR (Annual Percentage Rate) is used in certain cases when you fail to make the minimum payment on your credit card account, or exceed your credit limit by a certain amount. The Default APR is higher than the other APRs for your account. If you are late in making payments, your standard APR may increase to a default APR. Default APRs may be applied to all outstanding balances on your credit card. Also called penalty rate.