APR - Different Rates For Different Spends Do you know the Terms and Conditions of the APR on your credit card?Many credit card companies calculate APR (annual percentage rate) based on the type of transaction made. In order to keep yourself out of debt consumers need to know the APR of their card along with what additional fees that can occur to make sure they are not digging themselves deeper into debt.For example, some companies allow...... Source : Credit Repair Loans