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Wednesday, July 10, 2019 - 11:15am
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Five Possible Answers To “Why Did My Credit Card APR Go Up?”

National nonprofit credit counseling agency Take Charge America decodes APR increases – and the importance of keeping tabs on interest rates


PHOENIX – (July 9, 2019) – A credit card’s annual percentage rate (APR) is a crucial detail for credit card holders to understand. That’s because, if you carry a debt on your card from month-to-month, your APR determines how much interest you pay on purchases. A low APR is ideal – but it can increase seemingly out of the blue.


“There are several factors that impact your APR,” said Michael Sullivan, a personal financial consultant with Take Charge America, a national nonprofit credit counseling and debt management agency.  “Some of these factors might be influenced by card holder behaviors, while others aren’t. It’s important to understand the terms surrounding your APR so you’re not surprised by fees down the road, long after you’ve opened new credit.” 


Sullivan points out five common reasons for an APR increase.


  1. Your promotional rate is ending. Many consumers take advantage of promotions like low interest rates when they first open a card. But low APR offers don’t last forever – these promotional rates usually last six to 12 months after opening the account. Read the fine print so you aren’t blindsided after securing a new card.
  2. You’re late on a payment. Missed a credit card payment by 60 days? In that case, your card issuer may impose a higher APR. It might take a while for this high interest rate to go back down.
  3. Your credit score dropped significantly. Credit card issuers intermittently monitor your credit score. If you experienced a substantial drop in your credit score, your card issuer might respond by increasing your APR. If your score improves afterwards, though, the issuer must consider reducing your rate.
  4. You have a variable APR. Some credit cards are accompanied by a variable APR rate, meaning it changes as interest rates in general change. Many companies set rates linked to the prime rate.
  5. You’ve had the card for at least 12 months. Legally, credit card companies can’t raise your rate until you’ve had the card for a year or longer. There are a few exceptions, including a variable APR, a 60-day delinquency or a promotional rate that’s ending. But after one year, the card issuer can raise your rate if they want to.


The best way to prevent an expensive hike in APR is by paying off the full balance when it’s due to avoid carrying a debt from month-to-month.

Want to learn more about credit card management? Visit Take Charge America’s Financial Education Center or take a free online debt review.

About Take Charge America, Inc.


Founded in 1987, Take Charge America, Inc. is a nonprofit agency offering financial education and counseling services including credit counseling, debt management, student loan counseling, housing counseling and bankruptcy counseling. It has helped nearly 2 million consumers nationwide manage their personal finances and debts. To learn more, visit www.takechargeamerica.org or call (888) 822-9193.













UK Headlining Tour This Fall


July 10, 2019 - South Wales, UK - Welsh four-piece DREAM STATE dropped a brand new single and music video this morning. Produced by Dan Weller (Enter Shikari, Babymetal), "Primrose" is a massive song that encapsulates the band's energy and follows Vocalist CJ Gilpin through the darkness she has experienced in her life.


On the track, CJ shares "Sometimes we have to fall and fall to truly awaken and conquer our egos. There's still so much we have to learn about ourselves and this is a chance to express my journey and open the door to anyone fighting the same demons. We want you to see that through darkness, light can be found."


"Primrose" has already secured its first radio play as a Jack Saunders Midnight Drop on BBC Radio 1, which you can listen to HERE. Fans can stream the new single and watch the accompanying music video at http://unfd.lnk.to/Primrose.


On the recently announced departure of Bass player Danny Lewis, Guitarist Aled Evans shares "Unfortunately we're having to say goodbye to our friend and bassist Danny, as he has decided to focus his time on his wonderful family. We wish him all the best with his future and we'll miss him dearly!"


Along with the recent single "Hand In Hand", this is the first taste of new music from the band since their 2018 debut Recovery, which has been streamed over 20M times. The EP has received praise from outlets like Louder, Rock Sound, and Kerrang!, who states, "This five-song collection is, simply, fucking brilliant." The band even won the award for "Best British Newcomer" for last year's Kerrang! Awards.


Dream State has finished recording their debut album with Weller and is set to release it later this year.


On the road, the band has kept busy with appearances at Download Festival in Summer 2018, Unify Gathering 2019 in Australia. They supported The Amity Affliction across UK and Europe in Fall 2018, following other tours with Neck Deep (Europe), As it Is (UK) and Babymetal (Europe). Their UK headline tour earlier this year consisted of over 25 dates (including a sold out Underworld in London).


They have already played at Slam Dunk, Groezrock, Teddy Rocks and Handmade Festivals, with 2000trees Festival this coming weekend and Reading and Leeds, Burn It Down and Castlefest to come in August. The band announced a UK Headline tour today and are showing no signs of slowing down anytime soon. For more information on tour dates and to purchase tickets, please go to https://dreamstateofficial.com/.




Dream State is CJ Gilpin (vocals), Aled Evans (guitar), Rhys Wilcox (guitar) and Jamie Lee (drums).

Follow Dream State:
Website: https://dreamstateofficial.com
Facebook: https://www.facebook.com/DreamStateUKOfficial/
Twitter: https://twitter.com/dreamstateuk
Instagram: https://www.instagram.com/dreamstateuk/ 


With less than a three-day supply of most blood types available, the American Red Cross is facing a blood shortage and has an emergency need for blood and platelet donors to give now to replenish the blood supply. The call for donations comes after a difficult July Fourth week for donations when hundreds fewer blood drives were organized by volunteer hosts than a typical week, compounding a shortfall of more than 24,000 blood donations in June.


You can help ensure no patient experiences delays in treatment or emergency care due to the shortage by sharing information in the  news release below about the emergency need. Additionally, the following resources are available for download to help urge the community to give blood or platelets: