<prompt> Human: In all, the survey portrays a market segment that is offering better rewards to consumers who can pay off their shopping sprees, and bigger debts to those who dont.RETAIL CARDS: BY THE NUMBERS Highest APR: Zales, 28.99 percent Lowest APR: OfficeMax, 9.99 percent Biggest increase: Toys R UsBabies R Us up 5.75 percent Biggest APR decreases: Signet Jewelers down 7.99 percent  <response>: APR if you pay your balance in full each month: 0. 