“The average APR is being driven up by more subprime cardholders carrying a balance while more prime cardholders pay off their balances, you have more people with higher APRs carrying balances and fewer people with lower APRs doing so, sending the overall average higher.
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"Matt Schulz Quotes." Quotes.net. STANDS4 LLC, 2024. Web. 22 Dec. 2024. <https://www.quotes.net/citizen-quote/433916>.
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