Issuers may apply a higher, risk‑based rate to an account when certain triggers occur under the agreement’s terms. Common triggers can involve payment issues or other behaviors that increase perceived risk. While these adjustments are disclosed, they underscore the importance of calendar reminders, automated payments, and careful monitoring. Restoring standard terms typically requires a period of positive account management. Understanding how rate tiers work encourages proactive steps that preserve predictable costs and support healthy long‑term credit usage.