What is the penalty APR and how do I troubleshoot my account if my bank accidentally triggered it after a delayed payment?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the penalty APR and how do I troubleshoot my account if my bank accidentally triggered it after a delayed payment?
1 real search · 1 real-search pass
CFPB penalty APR 60 days late six consecutive payments existing balance credit card rulesGoogle ↗
OBSERVEDConsequence
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.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model).
Searches and sources
ChatGPT1 real searches · gpt-6
CFPB penalty APR 60 days late six consecutive payments existing balance credit card rules Google ↗
- § 1026.55 Limitations on increasing annual percentage rates, fees, and charges. · consumerfinance.gov
- When can my credit card company increase my interest rate? · proxy.goincop1.workers.dev
- SECTION 1026.9—Subsequent Disclosure Requirements · federalreserve.gov
- Submit a CFPB complaint · consumerfinance.gov
- Using Credit Cards and Disputing Charges · consumer.ftc.gov