In effect, she is paying $5 in interest for a $90 loan for two months: the equivalent of a credit card with a 44 percent annual percentage rate, a level most of us would consider predatory.

实际上，她已经预付了90美元两个月5%的利息，相当于44%信用卡的年费，大多数人都会认为它达到了掠夺的程度。

youdao

0% interest rate - Many credit card issuers entice potential consumers with various introductory 0% interest rate deals for a certain period of time.

利率——许多信用卡发行人用各种各样的先期的时段性0%利率交易怂恿潜在顾客。

youdao

More than a third of consumers pick one credit card over another based on which issuer has the lowest introductory interest rate.

超过三分之一的消费者选择一家信用卡而不是另一家是因为该发卡行有较低的入门利率。

youdao

Read this Forbes article on how to get a better credit card interest rate.

FORBES: Connect

Despite what you might expect, consumer protection laws are not lowering average credit card interest rate charges at Discover.

FORBES: Credit Card Issuers Stay Profitable Despite Headwinds

The Bank of England's figures show that as of last November, the average credit card interest rate was 15.89%, while the average interest rate for a standard variable rate mortgage was just 3.98%.

BBC: Credit card bad debt write-offs double