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Sebuah Lubang Besar Aneh muncul di jalan, ini penyebabnya


the cheapest car insurance cost of car insurance best car insurance quotes insurance auto insurance quotes car get car insurance quotes online car insurance agent instant car insurance quote car insurance webisite direct car insurance insure a car motor car insurance quotes cheap car insurance online quotes for car insurance car insurance commercial car insurance motor insurance quote car insurance quotes online get a quote online international healty insurance compare car insurance quotes credit card with cashback credit card reader credit card instant approval online applay credit card bad credit credit card credit card selection online visa card pay with credit card credit card charges visa or mastercard credit card machine applay a credit card small business credit cards prepaid debit card visa debit card alone credit card credit card terminal card credit application credit card generator credit card balance credit card numbers credit card tansfer credit card interest rates credit card interest rate gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to applay a credit card a interest credit cards debit card Revolving credit is growing at an annual rate of 4.9%, a reflection of more consumers getting access to credit cards that are backed by major banks and issuers. The U.S. Federal Reserve said that American credit-card use went from 103.5-billion transactions worth $5.65-trillion in 2015 to 111.1-billion transactions worth $5.97-trillion in 2016. The continued acceleration of those figures, coupled with higher interest rates, has American consumers swimming in debt not seen since the Great Recession. The New York Federal Reserve said the U.S. collective household debt balances totaled $12.73-trillion in 2017, surpassing the 2008 peak of $12.68-trillion. “The high levels of debt in this country are very concerning,” said Mark Beyer, a Tampa-based certified financial planner for Edward Jones. “The scary part, according to various reports, is that we are already at or approaching all-time highs in not only credit-card debt, but also mortgage, automobile and student-loan debt. Unfortunately, it would seem the American consumer has not learned their lesson from the Great Recession of 2008.” Beyer said to expect higher interest rates in 2018 for credit-card users. “Borrowing rates are typically tied to the prime rate, which is affected whenever the Fed decides to raise the federal funds rate,” Beyer said. “We had three rate hikes (of 0.25%) in 2017 and the Fed has already said they are forecasting a similar approach in 2018. “With interest rates rising for the foreseeable future, everyone with credit card debt should be making a concerted effort to either pay off or at least pay down their debt to avoid digging themselves into an even deeper hole.” How would a rise in the interest rates affect credit-card users? Here are some examples: In early 2018, the Average Percentage Rate (APR) for credit cards was 16.35%, an all-time high. If the Fed has three rate hikes of 0.25% this year, that likely would push the average credit-card APR to 17.10%. Here’s how that interest-rate increase would affect monthly interest for consumers with $10,000 or $15,000 in credit-card debt.

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