Variable APR, or annual percentage rate, on a credit card means that the credit card company can change the interest rate on the card at any time for any reason. Check the small print on a credit card agreement to learn why a credit card company may change the APR with help from theowner of a debt settlement company in this free video on credit cards. Expert: Peter Repak Contact: www.ClearFinancialCompany.com Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company. Filmmaker: Christopher Rokosz

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