Credit card interest rates haven't budged much recently, and that's hardly an oversight on the part of credit card issuers. When the Federal Reserve started hiking its benchmark rate in early 2022 to combat inflation, credit card rates went up in tandem , and at one point even hit a new record-high. But as the rate environment has eased, particularly over the last year, some borrowing rates have declined, but card rates have remained stuck at above 21% on average instead. That has left credit

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