How do you figure out Interest Rate?

I am trying to figure out how the credit card interest rate is calculated v a bank interest rate.?

  • Basically, I am wondering the best way to pay off credit card debt. If I borrowed against some property that I have a clear title to would I be doing myself a favor by going to the ...show more

  • Answer:

    if those percentages are annual rates ... you're golden. just pay 'em off. if they are monthly rates, you're being {deleted for the sake of decency}. multiplying a monthly rate by 12 isn't high enough, since compounding effectively exists on the monthly interest accrued. [You'd have to use compounding ... 3% per month compounded monthly is about 50% per year and 5% per month is about 88% annually.] GL

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