The U.S. bank prime rate remained at 3.25%. This rate is unchanged for over three years, according to Federal Reserve data going back to the late 1940s, this now marks the second-longest stretch without a change in the bank prime rate. From september 1960 to november of 1965, the bank's prime rate remained unchanged at 4.5%, a stretch of more than five years. Based on the statements of the current Fed has made about keeping interest rates low through the next few years to grow to the current line to challenge that record.
In contrast, credit card rates were not completely stable in the first half of February, with a significant increase in both consumer categories, but also in the rates for business rewards credit cards. Credit card rates in the same three categories have moved upward total so far this year, especially in the consumer categories. However, the most obvious trend in credit card offers is that the rates increase especially for customers with weaker credit histories. This gives some idea what's going on with credit card rates in general.
Credit card rates increase when other interest rates are stable or even fall, because credit card companies are becoming more selective about which customers they want to attract. Customers with good credit are still welcome, but those with bad credit history face steadily rising credit card rates. This means that the price for having bad credit is rising, while the advantage of maintaining a good credit is important.
Consumer credit card rates
Non-credit card rewards increased to an average of 14.91% compared to their previous level of 14.72%. Consumer credit card rewards increased slightly less, climbing by 0.10% to 17.73%. Combined, these increases were enough for the average consumer credit card rate to increase by 0.13% to 16.88%. These increases are entirely due to rising prices for customers with poor credit history, the rates for customers with good credit were stable during the first half of February, and actually declined since the end of the year.
Business credit card rates
The rates for business rewards credit cards rose by 0.16% to 15.69%, while business non-rewards cards remained unchanged. The increase for business rewards credit cards marked the first change in either category so far in 2012.
Student credit card rates
Rates for student credit cards remained unchanged so far in 2012, at 17.06%.
A good credit vs. average credit
The spread between the rates for good credit customers and customers average credit rose by 0.13% in the first half of February, to 4.21%. When the year began, this spread was 3.69%, meaning that on average, the price for having less-than-perfect credit has increased by 0.52% in the first six weeks of 2012. This makes a difference in how people should shop for a credit card rates.
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Monday, February 27, 2012
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