do credit cards have fixed or variable annual percentage rates aprs 
many credit cards will have both types of annual percentage rates aprs to find out which kind of apr you have read the cardholder agreement that comes with your credit card card issuers must legally disclose what type of apr they have and what it is if a fixed apr changes they must also alert consumers of that 3some credit cards have fixed aprs for purchases but variable aprs for cash advances or late payments read the fine print to make sure 