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Why is it important to find a credit card with a lower APR?
☐ A lower APR means you have more time to pay off your balance.
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A lower APR gives you a better credit history.
A lower APR means you pay less in interest.
A lower APR impacts your grace period.

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GPT-4o mini
The most accurate answer to the question "Why is it important to find a credit card with a lower APR?" is:

☑️ A lower APR means you pay less in interest.

A lower Annual Percentage Rate (APR) reduces the amount of interest you will owe if you carry a balance on your credit card, making it more cost-effective to borrow.

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