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What is preferred, premium, elite, standard pricing for cc's


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I never really examined the back of a credit card offer before. I was stoked to get an offer for 0% until nov. 05... then it says "a low APR of the Prime rate + 1.99%, currently 5.99% thereafter."

That sounded awesome. So I accepted the offer and got the card. BUT IT SAYS MY RATE IS FRICKEN 18.99%

So whatever. but what is this premium pricing 5.99, elite 10.99, standard 18.99?

I don't get it.

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