APR
APR (annual percentage rate) is the yearly interest rate a card charges on a balance you carry past the due date. You pay it only if you don't pay your statement in full.
Why it matters
On secured and beginner cards the APR is typically high, so carrying a balance costs you money while gaining you nothing toward your credit; paying in full each month avoids it entirely.
Example
If you pay your full statement balance by the due date, you owe $0 in interest regardless of the APR. Carry a balance past the due date and the APR applies, which is why the move is to pay in full and use the card only lightly.
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Educational only — not financial advice. No guarantees.