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Credit Card Glossary

Credit Card Glossary: Terms and Definitions

Confused by credit card terms? CreditCards.com's glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.

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Wall Street Journal prime rate
The Wall Street Journal prime rate is the most common measure of the prime rate, which is an index 3 percentage points above the federal funds rate set by the Federal Reserve. To get the rate, the Wall Street Journal surveys the nation's 30 largest banks on their prime rates and publishes it in their print edition. Credit card issuers often peg their variable-rate cards' interest rates to the prime rate, plus a margin that varies according to how risky the issuer views a consumer.