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1: Why is APR such an important tool when shopping for credit? In what ways is an APR different than an Interest Rate? 2. What

1: Why is APR such an important tool when shopping for credit? In what ways is an APR different than an Interest Rate?
2. What are the most important decision factors when choosing a credit card for a credit user, a convenience user, convenience & credit user? Be sure to differentiate each users viewpoint. (*50 words*)

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