Low interest transfers

You can complete a balance transfer by opening one of these cards and transferring debt with no fees or interest, until the intro period ends. Click here for more on how to complete a balance transfer. Balance transfer cards typically require good to excellent credit scores above If you don't qualify, there are some simple ways that you can work toward rebuilding your credit , including making on-time payments and keeping spending to a minimum.

Who's this for? If you don't mind joining a credit union, the Wings Visa Platinum Card can be a good no-fee balance transfer card with fewer fees than other cards on this list. In addition to no annual fee and no balance transfer fee, there are no foreign transaction fees when you use this card overseas.

There's a competitive 8. While balance transfers can be completed at any time, it's important to remember that 12 month intro period begins as soon as you open the account. Transfer balances as soon as possible to get the most value out of the intro period.

Earn 2X points on groceries, gas, electronics, medical, household goods and telecommunications, 1X points on all other purchases.

The Choice Rewards World Mastercard® from First Tech Federal Credit Union is a well-rounded card that has no annual fee, no foreign transaction fees, and a robust rewards program.

The rewards program is geared toward everyday expenses, such as groceries and gas: earn 2X points on groceries, gas, electronics, medical, household goods and telecommunications, and 1X points on all other purchases. How to join First Tech: The easiest way to become a First Tech member is to join the Community History Museum CHM or Financial Fitness Association FFA.

The first year's membership fee for the CHM or FFA is paid by First Tech, and you can cancel the membership after opening an account with no impact on your First Tech membership.

Before you take advantage of a balance transfer offer, there are some things you should keep in mind:. While there are many balance transfer credit cards to choose from, there are fewer cards that charge no balance transfer fees.

You should consider these tips on how to choose a credit card:. Before you settle on any card, you should compare credit cards to find the one that fits your needs the best.

When it comes to no-fee balance transfer cards, there are a few factors to consider, such as the length of the interest-free period and the card issuer. You should calculate how much time you need to repay debt based on the amount of money you have leftover in your budget each month that you can dedicate to debt repayment, then compare the intro periods of different cards to find the best offer for you.

For instance, if you need 10 months to pay off debt, focus on cards with intro periods that are 10 months or longer versus cards with 6 month intro periods.

Another important factor to consider is where you are transferring the debt from. This influences which new card you can open since balance transfers can't be made between cards from the same issuer. All of the balance transfer cards mentioned in this roundup have no annual fee, so you won't need to compare these cards by annual fee.

But if you're comparing other cards that aren't on this list, check if they charge annual fees. No-fee balance transfer cards are designed for people looking to get out of debt and maximize savings. If you want to get a credit card for the purpose of paying off an existing balance, then cards with no balance transfer fees can provide money-saving benefits.

Plus, you can benefit from no interest for up to 15 months, which allows you to pay off debt quicker and cheaper than keeping it on a high interest card.

If you have good or excellent credit and carry a credit card balance month-to-month, you should consider a no-fee balance transfer card. It's important to keep in mind that while opening a new credit card to get out of debt can be beneficial, you need to be careful how you use the card.

Balance transfer cards should primarily be used to pay off debt — not make new purchases. Learn more about Preferred Rewards Travel Rewards This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. Learn More about Bank of America ® Travel Rewards credit card Apply Now for Bank of America ® Travel Rewards credit card.

Bank of America ® Premium Rewards ® credit card. Plus, access to world class travel benefits: travel and purchase protections, luxury hotel collection and concierge service. That means you could earn 2. Learn more about Preferred Rewards Premium Rewards This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank.

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You choose how you want to be rewarded. Redeem points for travel, cash back, a statement credit, distinctive experiences or gift cards. Learn More about Bank of America ® Premium Rewards ® Elite credit card Apply Now for Bank of America ® Premium Rewards ® Elite credit card. Bank of America ® Customized Cash Rewards credit card for Students.

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Bank of America ® Travel Rewards Credit Card for Students. Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases.

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Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history including your account and overall relationship with us, and other credit cards and loans , you may qualify to have your security deposit returned.

Not all customers will qualify. Build up your credit history — use this card responsibly and over time it could help you improve your credit score. Your financial health. Our Priority. Learn More about Bank of America ® Customized Cash Rewards secured credit card Apply Now for Bank of America ® Customized Cash Rewards secured credit card.

Bank of America ® Unlimited Cash Rewards secured credit card. Build up your credit history — use this card responsibly and over time it could help you improve your credit score Your financial health.

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Limited Time Offer. Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation.

February presents an opportunity to forgo paying interest for up to 21 months using a balance transfer offer. In your personal finance journey, a long introductory period can significantly affect your credit repayment plan. Read on to learn about the best balance transfer credit cards available to help determine which is the best for you.

The Wells Fargo Active Cash® Card is an impressive financial tool, especially for those seeking an all-in-one solution to manage their purchases and balance transfers. This is relatively standard and should be factored into decisions about transferring balances to this card.

The card also allows for a straightforward redemption of rewards, adding to its user-friendly appeal. This feature is particularly beneficial for those planning significant purchases or looking to consolidate debts without accruing additional interest during this period.

These features make the Wells Fargo Active Cash® Card a top contender for anyone seeking a balance transfer card that offers both savings and simplicity.

The Discover it® Balance Transfer card is an exceptional choice for individuals prioritizing an extended introductory APR period for balance transfers, coupled with a unique cash-back match feature in the first year. This is quite competitive and allows for significant interest savings during the introductory period.

The cash-back rewards program is dynamic, with the categories changing quarterly, offering a refreshing way to earn rewards.

This introductory period provides a substantial window to pay off transferred balances without incurring additional interest, which is ideal for debt consolidation and management. Additionally, the cash-back match in the first year acts as a bonus, effectively doubling the rewards earned on balance transfers and purchases, making this card not just a tool for debt management but also a rewarding experience for its users.

The Wells Fargo Reflect® Card is particularly well-suited for individuals seeking one of the longest introductory APR periods for balance transfers and purchases. This card is a strong contender for those needing extended time to manage their existing debts or plan for large purchases without accumulating interest.

This feature allows cardholders to transfer existing balances and enjoy a prolonged period without incurring interest, providing ample time for debt management and reduction. This card is particularly advantageous for those who anticipate needing more time to pay off their balances and want to avoid the rapid accumulation of interest charges.

The Chase Freedom Unlimited® card is ideal for those who value flexibility in rewards, desire travel benefits , and appreciate the balance transfer incentive, all without an annual fee. This card offers a mix of generous rewards across various categories, making it a versatile option for everyday use.

This feature provides a substantial period for cardholders to manage their transferred balances without accruing interest, making it a suitable choice for those looking to consolidate and pay down debt. Coupled with the card's diverse rewards program and travel benefits, it becomes an appealing choice for users who want to combine the advantages of a balance transfer card with the perks of a rewards card.

This combination makes the Chase Freedom Unlimited® a comprehensive option for those seeking financial flexibility and reward benefits. The Chase Freedom Flex card is an excellent choice for Chase Bank users seeking a versatile primary or secondary credit card.

It combines the benefits of a balance transfer card with a robust cash rewards program , all without an annual fee. This card is especially suited for those who want to maximize their rewards across various spending categories.

This introductory period is ideal for users who need time to manage and pay off their transferred balances without incurring additional interest. In addition to its balance transfer benefits, the card's comprehensive rewards program, including high cash-back rates in rotating categories and on travel purchases, makes it a multifaceted option for those who want the dual benefits of managing their debts and earning significant rewards.

The Chase Freedom Flex is particularly appealing to those who are already Chase customers and are looking to maximize their relationship with the bank through an additional banking product. The Citi Double Cash® Card is a standout choice for users who prioritize high cash-back rewards for the long term, in addition to seeking balance transfer benefits.

With no annual fee and a robust rewards program, this card is ideal for those looking to maximize their cash-back earnings beyond the initial balance transfer period. More details: This card stands out with no caps on cash-back earnings and no categories to track.

Your rewards can be redeemed as a statement credit, direct deposit, or a check. This extended period allows cardholders to manage their debts more effectively, providing ample time to pay off transferred balances without accruing interest.

Users benefit from consistent rewards accumulation without the need to track specific categories or worry about earning caps. This combination of balance transfer benefits and a robust rewards program makes the Citi Double Cash® Card particularly appealing to those seeking a comprehensive credit card solution.

Read our full review of the Citi Double Cash Card. The Citi Custom Cash® Card is an excellent option for those seeking a balance transfer credit card that also offers rewarding cash back, all without an annual fee.

This card adapts to your spending habits , making it a flexible choice for various users. This introductory period provides a significant window to manage and pay down transferred balances without worrying about accruing interest.

This feature ensures that you maximize cash back in the categories where you spend the most, making it a smart choice for those who want a balance transfer card that continues to be rewarding in the long term. The combination of balance transfer benefits and dynamic cash-back rewards makes the Citi Custom Cash® Card a well-rounded option for cardholders.

This card is particularly appealing for its focus on simplicity and affordability, given its lack of an annual fee and straightforward terms. This length of time is one of the longest available, providing cardholders with a substantial period to manage and pay off transferred balances without accruing interest.

While the card does not offer cash-back rewards or a welcome bonus, its strength is its simplicity and the potential for significant interest savings. The Citi Simplicity® Card is particularly well-suited for those prioritizing a lengthy interest-free period for their balance transfer needs, offering a straightforward and cost-effective approach to managing debt.

Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance

Balance transfer credit cards

Balance transfer credit cards are cards that offer low or 0% introductory annual percentage rates (APRs). They are primarily for those looking Balance transfer credit cards ; Citi Simplicity® Card · reviews · 0% for 21 Months ; Citi Rewards+® Card · reviews · 0% for 15 Months ; Citi Double Cash® Card A balance transfer is the process of transferring debt from one credit card to another credit card, usually to one with a lower interest rate: Low interest transfers


























Financial discipline strategies means instead of earning an Low interest transfers 1. Low interest transfers Cruise Line tramsfers World Intedest ®. Learn Intrest about Bank of America ® Travel Rewards credit card Apply Now for Bank of America ® Travel Rewards credit card. Info Regular APR: Free Credit Score for Cardmembers. Cons This card charges a foreign transaction fee on purchases made outside of the U. A balance transfer isn't always a slam-dunk solution to high-interest debt. You may need to provide some basic details—like your full name, address, income and Social Security number. Introductory 0. Watch your accounts. Pros This card offers a fairly long intro APR period on purchases and balance transfers. Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance Here are the best 0% intro APR balance transfer credit cards to help you avoid interest and get out of debt. Our top pick is the Discover Transferring a balance to a credit card with a low or 0% promotional APR could allow you to pay off debt with little or no interest. icon. Simplifying payments The Citi Double Cash Card also offers an introductory balance transfer APR of 0% for 18 months. The card has a regular APR of % - % (V) Save money while getting out of debt by doing a balance transfer: Moving debt to a card with a 0% introductory interest rate and low fees Best with intro 0% APR for 21 months. Wells Fargo Reflect® Card · Citi Simplicity® Card · U.S. Bank Visa® Platinum Card Balance transfer credit cards ; Citi Simplicity® Card · reviews · 0% for 21 Months ; Citi Rewards+® Card · reviews · 0% for 15 Months ; Citi Double Cash® Card Low interest transfers
Low interest transfers more: Is the Wells Transfesr Reflect card worth transcers Mortgage Lender Reviews. Requesting the Transfer. For the cards that offered a rewards program, we also estimated how much cash back you might earn over a five year period. Pros No annual fee No fee charged on purchases made outside the U. Welcome offer. Select independently determines what we cover and recommend. Cashback Match: Only from Discover as of December Browse categories. Learn more about the Bank of America® credit cards that offer a low intro APR on balance transfer by selecting one of the credit cards on this page. Low interest rates on balance transfer credit cards may help you catch up on debt payments, but these APRs don't usually last forever. Longest intro period. Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance Most balance transfer credit cards offer no interest for upwards of six months, which can help you save a lot of money on your debt. But many of these cards Save money while getting out of debt by doing a balance transfer: Moving debt to a card with a 0% introductory interest rate and low fees Best with intro 0% APR for 21 months. Wells Fargo Reflect® Card · Citi Simplicity® Card · U.S. Bank Visa® Platinum Card Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance Low interest transfers
Look at the issuer Low interest transfers holds Quick and easy loan repayments current debt. Moving outstanding debt on one credit card to another Low interest transfers a new one—is a balance transfer. Read your credit trqnsfers statements carefully — inteeest just intereest your issuer and ask Llw you're not sure when the clock will run out. A balance transfer credit card moves your outstanding debt from one or more credit cards onto a new card, typically with a lower interest rate. One good change: Since the Credit Card Accountability, Responsibility and Disclosure Act ofcredit card companies can no longer apply payments to the lowest-interest balances first; they now have to apply them to the highest-interest balances first. Once you're approved for the new card, tell that card's issuer that you want to do a transfer. Our selection includes cards that not only meet but exceed industry standards, providing the best options for managing and reducing debt. By paying your cards on time, accumulating less interest, and not carrying a balance, you can move your credit from good to excellent. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month. Know the balance transfer fee The difference between a 3 percent balance transfer fee and a 5 percent balance transfer fee could be significant, depending on the amount you transfer. Bank of America ® Travel Rewards credit card. Also, if your new card issuer approves your balance transfer request, it must coordinate the transfer with your current card issuer, which could cause potential delays. One thing I wish I had given more thought to when I was choosing a balance transfer card is the transfer window. Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges A balance transfer lets you save on existing credit card debt by transferring your balance to a card with a lower interest rate or, better yet The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance NerdWallet ranks 35 of the top 0% APR and low interest credit cards for balance transfers based on your needs. Find the best cards and apply today A balance transfer lets you save on existing credit card debt by transferring your balance to a card with a lower interest rate or, better yet Here are the best 0% intro APR balance transfer credit cards to help you avoid interest and get out of debt. Our top pick is the Discover Low interest transfers
Transfeds can maximize your balance transfer savings by Low interest transfers Convenient loan settlement options pay your balance in full before the Low interest transfers period ends. But interes that longer periods might mean higher transfres fees. Debt consolidation: If you have balances spread across multiple credit cards, you may be able to consolidate them onto a single balance transfer card. Best cards. By following this comprehensive and impartial methodology, we aim to present our readers with a carefully curated list of the best balance transfer credit cards, empowering you to make informed financial decisions tailored to your debt management goals. You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. Running up new card balances after completing a balance transfer could also hurt your credit score and leave you with more debt to repay. To help guide you on choosing a balance transfer credit card that fits your unique financial situation, consider the following questions:. What is the downside of balance transfers? In order to get approved for a balance transfer credit card, you typically need good credit scores to qualify. The offers on this page are from advertisers who pay us. No Late Fees, No Penalty Rate, and No Annual Fee Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance Balance transfer credit cards are cards that offer low or 0% introductory annual percentage rates (APRs). They are primarily for those looking Save money while getting out of debt by doing a balance transfer: Moving debt to a card with a 0% introductory interest rate and low fees Transferring a balance from a credit card with a high interest rate to a Discover balance transfer credit card may lower the amount of money you spend on Why we like it: The Wells Fargo Reflect® Card is an excellent choice for balance transfers primarily because of its extraordinarily long 0% APR Most balance transfer credit cards offer no interest for upwards of six months, which can help you save a lot of money on your debt. But many of these cards What's more, personal loans are almost always going to have a significantly lower interest rate than credit cards charge. Low APR credit card for new purchases Low interest transfers
At Bankrate transgers strive tarnsfers help you make smarter financial decisions. After that, Trsnsfers variable APR, currently That way Garnishments money you do put toward your debt is not just getting eaten up by interest, but instead paying down the principal balance. Access your FICO ® Score for free within Online Banking or your Mobile Banking app. Enrollment required. What Is Reloading in Finance? No annual fee. Learn more: U. Even more, last year, credit lenders reported tightening their approval standards , meaning it may be more difficult to qualify for a certain card now. Find the right credit card for you. View Rates and Fees. You may be charged a fee for some balance transfers. Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance Why we like it: The Wells Fargo Reflect® Card is an excellent choice for balance transfers primarily because of its extraordinarily long 0% APR What's more, personal loans are almost always going to have a significantly lower interest rate than credit cards charge. Low APR credit card for new purchases The introductory rate may be as low as 0% and last anywhere from six to 18 months. The challenge: Transferring a balance means carrying a monthly balance, and Balance transfer credit cards offer low introductory APRs that can help you pay your balance down faster Balance transfer credit cards are cards that offer low or 0% introductory annual percentage rates (APRs). They are primarily for those looking Transferring a balance from a credit card with a high interest rate to a Discover balance transfer credit card may lower the amount of money you spend on Low interest transfers

Low interest transfers - Balance transfer credit cards ; Citi Simplicity® Card · reviews · 0% for 21 Months ; Citi Rewards+® Card · reviews · 0% for 15 Months ; Citi Double Cash® Card Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges The best Chase balance transfer card is Chase Freedom Unlimited® because it offers an introductory APR of 0% for 15 months on both balance

We examined the best balance transfer credit cards for nearly every financial situation. Only the cards that excelled for their specific target audience made our list. Doing this will give you a window of up to 21 months of no interest payments depending on the card you open , allowing you to throw as much money toward the principal amount as you possibly can.

Some credit cards accept balances other than credit cards, as well. If you have a personal loan or an auto loan with which you need a break from the interest payments, a balance transfer card could be your answer.

Their main function is to alleviate your interest woes. You may be able to pay off your debt faster than you think, thanks to the welcome bonus and rewards you could earn. and therefore help you to put more money toward your balance.

Again, the cards that are best optimized for balance transfers tend to have nothing else exciting going on. Lowering interest is the primary function of balance transfer credit cards.

The most effective use of a balance transfer is to move debt from whichever credit card has the most offensive APR first.

Doing this will bring you the most immediate relief. Figure out how much money you can possibly spare to put toward that debt and stick to your commitment. Keep your disposable income going toward paying down your balances.

A personal loan can come in many forms. Whether you open a debt consolidation loan or a less specific loan, you can use that money to pay off your credit card s. You can then make only the minimum payment on that card without worrying about paying interest—and put all your money toward paying down your high-interest credit card.

Some balance transfer cards are best-in-class in other areas, such as cash back return rate, choose-your-own bonus categories, earning flexible rewards, and more. The type of debt you can transfer to a credit card depends on the card issuer.

Also keep in mind that you can only transfer a balance no higher than the credit line you were approved for when opening a balance transfer credit card. Some banks require that you transfer notably less—and may even cap the amount you can transfer during a day period.

Your credit score will not be affected by a balance transfer. In fact, opening a balance transfer credit card may improve credit score numbers. But your credit utilization the ratio of available credit to total credit will go down. Credit utilization is one of the biggest factors in calculatinga credit score.

Transferring a balance is not difficult. Simply contact the bank that issues your new balance transfer credit card, either online or by phone, and a customer service rep can help you through it.

You can transfer multiple balances to a credit card. Applying for a balance transfer credit card is the same as applying for any other credit card. Best Credit Cards Best Cash Back Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards Best Small-Business Credit Cards Best Credit Cards for Bad Credit.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page. by Alicia Tuovila. Updated February 4, Credit score. Intro APR. Balance transfer intro apr.

Annual fees. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. So what can you do? One thing to consider is a balance transfer.

A balance transfer is the process of transferring debt from one credit card to another credit card, usually to one with a lower interest rate. You may be able to combine multiple credit card balances by transferring them to a balance transfer card. Once you consolidate your credit card debt onto one card, you can focus on one payment with one due date, instead of making several payments each month and having to keep track of various due dates.

This can make it easier to manage your payments. A major benefit of doing a balance transfer is the potential to save money on interest. That way the money you do put toward your debt is not just getting eaten up by interest, but instead paying down the principal balance.

Depending on the card you get approved for, you may be able to move your debt to a credit card that has a lower interest rate and more favorable terms.

You may even be able to find a balance transfer card that offers perks that can earn you rewards. But you might want to wait until your transferred balance is paid off before you take on new credit card debt.

Worse yet, you may not pay off your existing debt within the promotional period and end up just shuffling your debt around without actually saving money. You can end up in even more debt this way. In order to get approved for a balance transfer credit card, you typically need good credit scores to qualify.

Your credit scores will also help determine if you are approved for the best APR. If you get approved for a low interest rate and pay off your debt during the promotional period, you may be able to save money on interest and be debt-free sooner. Weigh the pros and cons carefully to help decide if a balance transfer credit card is a good option for your financial situation.

If taking action makes sense for you, keep reading to learn how to do a balance transfer.

Tramsfers savings. Learn how Low interest transfers transfers affect credit tranzfers. The problem is that transferring a balance interedt carrying a monthly balance. The new card's issuer might let you transfer only a portion of what you owe. USAA proudly offers membership to current and former military, as well as their spouses and dependents. Some financial advisors feel credit card balance transfers make sense only if a cardholder can pay off all or most of the debt during the promotional rate period.

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