What should an older adult look for in the fine print of a credit card agreement regarding penalty APRs triggered by a single late payment?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What should an older adult look for in the fine print of a credit card agreement regarding penalty APRs triggered by a single late payment?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB penalty APR 60 days late payment six consecutive payments credit card agreement penalty rate Google ↗
FTC credit card penalty APR late payment 60 days older adults credit card agreement Google ↗
- When can my credit card company increase my interest rate? · proxy.goincop1.workers.dev
- Consumer Financial Protection Bureau § 1026.9 · govinfo.gov
- § 1026.9 Subsequent disclosure requirements. · consumerfinance.gov
- Know Before You Owe: Credit cards · consumerfinance.gov
- CFPB credit card resources · consumerfinance.gov
- CFPB Ask a Question · consumerfinance.gov
- Federal credit card disclosure requirements · consumerfinance.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 payment six consecutive payments credit card agreement penalty rate OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC credit card penalty APR late payment 60 days older adults credit card agreement OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |