APR 是指年利率。这是通过信用卡或贷款借贷一年以上的成本。

APR means Annual Percentage Rate. It’s the cost of borrowing money over a year on a credit card or loan. It takes into account interest, as well as other charges you may have to pay, such as an annual fee.

What does representative APR mean?

When you’re looking at potential credit cards or loans, you may see a representative APR advertised. Given that lenders offer different interest rates based on your individual application, representative APR is an example that allows you to compare between lenders and products quickly without having to apply. To advertise the rate as a representative APR, the lender needs to offer the rate to at least 51% of the customers who successfully apply.

APR 是指年利率。这是通过信用卡或贷款借贷一年以上的成本。它考虑了利息以及您可能需要支付的其他费用，例如年费。

代表性年利率是什么意思？
当您查看潜在的信用卡或贷款时，您可能会看到广告中的代表性年利率。鉴于贷方根据您的个人申请提供不同的利率，代表性年利率是一个示例，可让您快速比较贷方和产品，而无需申请。要将利率宣传为代表性年利率，贷方需要向成功申请的至少 51% 的客户提供该利率。

What does representative APR include?

The representative APR includes the rate of interest. For credit cards, there can be different rates so the APR uses the rate which applies to the way the card is most commonly used. This is usually the standard purchase rate. It also takes into account other charges you'd automatically have to pay such as an annual fee or loan arrangement fee.

For credit cards, representative APR is based on a credit limit of £1,200. It assumes you spend the full £1,200 on the first day and then pay it back in equal, regular instalments over a year without spending anything else.

Explore: How do credit cards work?

代表性年利率包括哪些内容？
代表性的年利率包括利率。对于信用卡，可能有不同的费率，因此年利率使用适用于该卡最常用方式的费率。这通常是标准购买率。它还考虑了您自动必须支付的其他费用，例如年费或贷款安排费。
对于信用卡，代表年利率基于 1,200 英镑的信用额度。它假设您在第一天就花掉了 1,200 英镑，然后在一年内等额、定期分期偿还，无需花费任何其他费用。

探索：信用卡如何运作？ 

What does a representative example look like?

	Example 1	Example 2
Purchase rate (variable)	21.9%	18.9%
Annual fee	£0	£195
Credit limit	£1,200	£1,200
Representative APR (variable)	21.9%	59.3%

While the purchase rate in the second example is lower than the first example, the £195 annual fee is included in the representative APR – so the representative APR rises to 59.3%.

However, it's important to note that representative APR doesn't take into account the benefits you can earn from using different kinds of credit cards.

一个代表性的例子是什么样的？
实施例1
实施例2
购买率（可变）21.9%18.9%
年费£0£195
信用额度£1,200£1,200
代表性年利率（可变）21.9%59.3%
虽然第二个示例中的购买率低于第一个示例，但 195 英镑的年费已包含在代表性年利率中，因此代表性年利率上升至 59.3%。
不过，请务必注意，代表性年利率并未考虑您通过使用不同类型的信用卡可以获得的好处。

tesco Bank

Foundation Credit Card

• Starting credit limits between £250 - £1,500 and monthly repayments from £25
• Get access to Tesco Bank CreditView, provided by TransUnion, for 3 years from account opening, and track your credit score with monthly updates
• Collect Clubcard points almost every time you shop
• You may be considered for regular optional credit limit increases if you manage your account well Learn more about credit limit increases

Your APR and credit limit may vary depending on your circumstances

Representative example

Representative rate (variable)29.9% APR

Interest rate on purchases (variable)29.9% p.a.

Based on a credit limit of£1,200

基金会信用卡
起始信用额度为 £250 - £1,500，每月还款额为 £25
自开户之日起 3 年内访问 TransUnion 提供的 Tesco Bank CreditView，并通过每月更新跟踪您的信用评分
几乎每次购物时都会收集 Clubcard 积分
如果您管理好您的账户，您可能会被考虑定期提高信用额度
了解有关信用额度增加的更多信息
您的年利率和信用额度可能会根据您的情况而有所不同

代表性例子

代表率（变量）
年利率 29.9%
购买利率（可变）
每年 29.9%
基于信用额度
1,200 英镑