Examine the credit terms below:

Interest Rates and Interest Charges



Annual Percentage Rate (APR)
for Purchases

0% introductory APR for 10 months. After that, your APR will be 10.99%, 15.99%, or 17.99%, based on your creditworthiness.
This APR will vary with the market, based on the Prime Rate.


Why would the lender offer a lower introductory APR for 10 months?
To reduce its profits
To eliminate its risk
To entice consumers to use its credit card
To encourage consumers to apply for secured loans