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Watch for different interest rates on the one card. Credit card providers are increasingly charging different interest rates on the one card, depending on how you use it. While the headline, advertised interest rate applies to straight purchases of goods and services, a significantly higher interest rate may be charged on cash advances from the bank. These cash advance rates are as high as 20 per cent. And remember that interest is charged immediately on cash advances, any interest-free period only ever applies to purchases.
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