Her APR will change after six months and be between 15.24% to 23.24% assuming that she has been making on-time payments during those first six months.
This is so because the different credit cards offered by banks have benefits and promotions aimed at attracting customers, such as not charging interest rates for consumption with these cards (in short, interest-free bank loans).
But these promotions and benefits are not for an indefinite period of time, since if they were, it would only lead to losses for the banks, with their eventual bankruptcy.
Therefore, after 6 months of promotion, the interest rates will be adjusted to the real cost values of the loans, which range from 15% to 23% per year depending on each client.
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