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I've only been late a couple of times on my credit card bills. Does this mean I will have to pay an extremely high interest rate?

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.

Today's Low Rates

PROGRAM RATE APR
30 Year Fixed 4.5% 4.53%
15 Year Fixed 4.125% 4.18%
5/1 Arm 3.75% 3.88%
All rates shown with 0 points
Assumptions

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