text:  mls one eight two three three four mls consumer access dot org a p r for it's in the five starts at six point seven nine nine percent for what will my borrowers call eight hundred nine zero six twenty four forty four details about credit costs and terms are so here we are in the most expensive time of the year and uh... with that comes debt usually credit cards are slippery slope most of them have variable rates which is always good because as the fed increases rates throughout the year