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Because the rate change is linked to the performance of the index, which may rise or fall, these plans are commonly called variable rate plans. Rate changes raise or lower the amount of the finance charge you pay on your account.

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If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in your's (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.