《苹果卡客户协议：利率、支付利息的方法》

The Apple Card Customer Agreement outlines the terms and conditions for the use of the Apple Card, including important details such as interest rates, fees, and payment deadlines. When opening an account, the Annual Percentage Rate (APR) for purchases ranges from 11.24% to 22.24%, depending on the individual's creditworthiness and other factors. This APR may fluctuate with the market based on the Prime Rate. To avoid paying interest on purchases, customers have at least 28 days after the close of each billing cycle to pay their entire balance. In addition to interest rates, the agreement also specifies other fees and charges that may be incurred, such as late payment fees, returned payment fees, and cash advance fees. Customers are encouraged to read the agreement carefully to understand the full scope of potential costs associated with the Apple Card. The document also outlines the rights and responsibilities of cardholders, including the requirement to promptly report any lost or stolen cards, as well as the process for addressing billing errors or disputes. It emphasizes the importance of safeguarding personal and account information and provides guidance on managing the Apple Card account securely. Furthermore, the agreement details the process for resolving disputes, including arbitration procedures and the waiver of class action rights. It also addresses the termination of the card account, specifying the conditions under which Apple or the cardholder may close the account. Overall, the Apple Card Customer Agreement provides comprehensive information regarding the terms of use for the Apple Card, ensuring that customers are fully informed of their rights and obligations when using this financial product. By understanding the terms outlined in the agreement, cardholders can make informed decisions about managing their Apple Card account and utilizing its features responsibly.