i wonder if my cc company can change interest rate on my credit card

Answered on February 10, 2011
Updated on February 10, 2011
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
One reason your rate could change is that you have a variable APR on your credit card which goes up and down depending on the Prime Rate. The other reason is expiration of the introductory period with low or 0% APR, after which an ongoing APR (fixed or variable) is applied. You may also be charged a default or penalty rate if you go over your credit limit or have your APR increased for further transactions if you are 60 days late paying off your current credit card balance.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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If your dentist accepts credit cards as a method of payment, there should not be any obstacles. Since you are considering paying for your treatment with a credit card, we would recommend you consider getting a credit card with 0% intro APR and rewards program. Thus, you will be able to save on interest and to earn rewards on card purchases.
The CareCredit cards do not provide any insurance. They are medical credit cards that give access to a line of credit that can only be used at a limited number of providers. If your doctor accepts CareCredit, you may want to take a closer look at this card. However, note that medical cards come with a high go-to interest rates, and promo financing is rather tricky. The promo financing does not give you zero interest, it gives you a differed interest, meaning that if you are late with a single payment or unable to pay off the balance by the end of the promotional period, you will be charged...

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