How do issuers calculate the penalty APR if I accidentally miss a credit card payment by two days while juggling bills for our household?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do issuers calculate the penalty APR if I accidentally miss a credit card payment by two days while juggling bills for our household?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB penalty APR 60 days late existing balance 45 day notice late payment credit card Google ↗
Regulation Z 1026.55 penalty APR 60 days late existing balances new transactions Google ↗
- § 1026.55 Limitations on increasing annual percentage rates, fees, and charges. · consumerfinance.gov
- When can my credit card company increase my interest rate? · consumerfinance.gov
- SECTION 1026.9—Subsequent Disclosure Requirements · federalreserve.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB penalty APR 60 days late existing balance 45 day notice late payment credit card OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Regulation Z 1026.55 penalty APR 60 days late existing balances new transactions OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |