Paying your credit card bill late will cost you even more.
That's because the interest that credit cards charge on balances, also known as APR, has risen sharply.
According to a survey by creditcards.com, the average interest rate is now just over 17-percent.
That means paying late, carrying a balance or taking out a cash advance is going to hit you in the wallet.
However, cards have not raised the other fees they charge, and the total number of fees is down.
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Report says credit card rates have risen sharply
U.S. & WORLD