At the same time, consumers' sensitivity to APR (annual percentage rate interest rate) levels and other charges is low. Taken together, this results in store cardholders who take up credit, and associated insurance, paying more than they would in a fully competitive market,

Christopher Clarke

Annual Charges Consumers Interest Levels Low Percentage Rate Sensitivity Taken Time

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Consumers' sensitivity to APR levels and other charges is low,

— Christopher Clarke

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In many ways, the disclosure that is required here is more customer-friendly disclosure than the annual percentage rate. It's not a confusing calculation, but an actual dollar amount.

— Dan Leistikow

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Consumers are likely to expect incentives such as low-interest financing for years to come.

— Chris Denove

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Great passes are usually low-percentage passes.

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The annual percentage increase in house prices nationally in 2005 was the smallest for 10 years.

— Martin Ellis

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