Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to compare fixed rate credit cards [title] Compare the aprs of different card offers. [step] The apr is the annual percentage rate. A yearly rate of 10.9 percent means you'll pay less interest on the balance than a rate of 18. 9 percent.

Ending1: The apr is calculated at the apr website. [title] Call your credit card company to learn how much you need to base your estimate. Ending2: [title] Choose the apr that strikes your attention most often. [step] This is most frequently applied to xyz cards. Ending3: [substeps] When considering apr, remember credit card companies are allowed to change their fixed rate with 45 days written notice. [title] Decide what you can realistically afford to pay down on the card each month. Ending4: [title] Divide the apr by the apr limit for receivables. [step] If you have an apr limit up to 33 percent, you owe more than 30 percent on apr offers.

Answer format: ending1/ending2/ending3/ending4