Core credit card interest rates have remained pretty consistent throughout 2011. At the start of the recession average credit card APRs hovered around 16% and dropping to a rock bottom 12.64% back in 2010, encouraging a much-needed boost in borrowing. Over the past 9 months since the beginning of the year, however, rates increased and plateaued to sit at 14.90% for the month of August, up .02% from last month and .05% since January. This was not, however, with some wider variation in the months between; February rates dropped like a rock from the 14.83% average to 14.74% while March saw the lowest rates of the year so far, hitting 14.66%, only to climb in April to 14.67% and then to the highest figure of the year in May to 14.85%. With this, low interest annual percentage rates hovered around 10.73%; business card rates averaging 12.91%; student cards averaged 13.77%; and bad credit averaging 24.96%. Issuers that have changed their rates the least include American Express and Bank of America while the issuers that have increased rates the most are Capital One, US Bank, Discover and Citi.