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Credit card interest rates at a record high

Commercial Bank Interest Rate on Credit Card Plans, All Accounts (FRED:TERMCBCCALLNS)  
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FRED:TERMCBCCALLNS   Commercial Bank Interest Rate on Credit Card Plans, All Accounts
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Credit card interest has gone vertical to a new record high . How long can they pay rates this high before defaults I will post banks credit card standards have gone up just as fast btw Tic TIC TIC BOOM
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