I received an offer for a credit card with $0\%$ fixed APR for the first $12$ months, after which the card would have one of several rates depending on credit history. The highest rate was a $22\mathrm{.}74\%$ APR $($and the company reserves the right to change the APR $"$at any time for any reason"$).$ What is the corresponding daily interest rate for the $22\mathrm{.}74\%$ APR? $($Round your answer to three decimal places.$)$ The corresponding daily interest rate would be$?$ What is the EAR? $($Round your answer to three decimal places.$)$ The effective annual rate would be$?$