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If your credit card has a variable APR, expect it to fluctuate for a variety of reasons. For example, if you miss a payment or your credit score has dropped, the card issuer may raise your APR. But ...

The poetic collective noun for polar bears is an ‘aurora’, but around the community of Kaktovik they may be more accurately described as an ‘inevitability’. An inevitability of polar bears. Elsewhere ...