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* APR(Annual percentage rate) -- A yearly rate of interest that includes fees and costs paid to acquire the loan. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans.
* Balance transfer -- Moving an unpaid credit card debt from one issuer to another.
* Finance charge -- The charge for using a credit card, comprised of interest costs and other fees.
* Minimum payment -- The minimum amount a card holder can pay to keep the account from going into default.
* Periodic rate -- The interest rate described in relation to a specific amount of time.
* Teaser rate -- Often called the introductory rate, it is the below-market interest rate offered to entice customers.
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