Average annual credit card interest rates in January, 2009
according to Card Trak dot com:

Jan 2009	July 2008	Jan 2008
Promotional:	1.60%	2.01%	2.70%
Super-Prime:	8.46%	9.83%	10.95%
Prime:	12.94%	14.09%	15.46%
Sub-Prime:	20.02%	20.94%	22.78%
Punitive:	27.99%	29.08	30.16%

Note: Average Rates based on FICO Credit Scores.
Super-Prime = 760-850; Prime = 660-759; Sub-Prime = 500-659.

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