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    rates associated with them tend to be higher than for other types of lending, such as home or auto loans. Anyone who has paid their credit card bill late more than once or twice is also aware that doing so may cause the interest rate on their card to go up – sometimes by quite a lot. Many cred
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    ng, such as home or auto loans. Anyone who has paid their credit card bill late more than once or twice is also aware that doing so may cause the interest rate on their card to go up – sometimes by quite a lot. Many cred
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    l late more than once or twice is also aware that doing so may cause the interest rate on their card to go up – sometimes by quite a lot. Many cred
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    nterest rate on their card to go up – sometimes by quite a lot. Many credit cards carry interest rates of as much as 20% or 25% annually, and customers who want to avoid interest rates in that range make an effort to pay their bills on time.

    What many people do not realize, however, is that up to one third of all credit card issuers now include what is known as

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