What is the exact penalty APR that banks charge when you trigger a late payment today and how do you avoid it?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact penalty APR that banks charge when you trigger a late payment today and how do you avoid it?
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). 2 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
2026 U.S. credit card penalty APR late payment 60 days CARD Act six months review CFPB Google ↗
credit card penalty APR issuer agreement late payment 2026 typical rates late fee CFPB Google ↗
- § 1026.55 Limitations on increasing annual percentage rates, fees, and charges. · consumerfinance.gov
- Credit Card Penalty Fees (Regulation Z) · files.consumerfinance.gov
- When and Why Your Credit Card Interest Rate Can Go Up · fdic.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 U.S. credit card penalty APR late payment 60 days CARD Act six months review CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
credit card penalty APR issuer agreement late payment 2026 typical rates late fee CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |