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From:
Consumer Financial Protection Bureau
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Credit card interest rate margins at all-time high | Consumer Financial Protection Bureau
https://www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/
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The annual percentage rate (APR) margins, the amount of interest credit card issuers charge cardholders on top of benchmark rates, have reached an all-time high.