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If the APR (annual percentage rate) of your Citibank credit card is stated to be 19.45%, with interest paid monthly, what is the card's

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If the APR (annual percentage rate) of your Citibank credit card is stated to be 19.45%, with interest paid monthly, what is the card's EFF%? 21.28% 22.17% 20.21% 19.96%

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