Card companies will also tell them how much their borrowing will cost at the higher rate, so they will be able to see the real impact of an interest-rate increase when making their decision.

当他们在作决定的时候，信用卡公司会告知他们透支金额产生的高额利率成本，因此他们能看到利率上升对他们的真正影响。

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Cardholders currently have 30 days to tell their card company that they want to reject an interest-rate increase, close the account and pay off the outstanding balance at the existing rate.

持卡人当前有30天通知其持卡公司，如他们想抵制利率的上升，可以在现有利率下，付清余额并关闭账户。

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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。

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But they also have a right not to get ripped off by the sudden rate hikes, unfair penalties and hidden fees that have become all too common in our credit card industry,"

VOA: standard.2009.05.09

According to the LowCards.com Weekly Credit Card Rate Report, the average advertised credit card rate was 11.68% in January 2009.

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Nearly every credit card on the market today is a variable rate card.

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As you can imagine, the industry practice had always been to apply loan repayments to the lowest interest rate balances first, so they could pay down the 0% introductory rate credit card offers, while cardholders amassed much higher interest on their new purchases.

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