The card issuer may decide which interest rate to charge you after it has reviewed your application and your full credit report. Card issuers typically give the lowest rate to customers who have the highest credit scores. You may ask the card issuer what your interest rate will be before applying, but the card issuer may not be able to answer until it can review your full credit report. If you choose to apply and do not receive the lowest rate because of information contained in your credit report, the card issuer may send you a notice that includes either your credit score or the name and address of the credit reporting agency that provided the credit report.

Note: Effective July 21, 2011, creditors (including card issuers) generally will have to disclose your credit score (and related information) if they use the score and, based in whole or in part on your credit report:

• deny your application,
• increase the cost of your credit, or
• offer you a higher rate than other consumers get from that creditor (when the offer has more than one interest rate).