And the few companies willing to provide the coverage can charge much higher rates.

Most rates charged to consumers are still above 10 percent.

Early this year, the rate the bank charged on both cards was 16.98 percent.

Within any one type of credit, individual lenders may charge quite different rates, for example.

The competition, meanwhile, may be able to charge lower rates because its network is already in place.

Teaching was not about money, though she charged steep rates.

Others charge hourly rates, which may range from $60 to $150.

Lloyd's does not charge higher rates for passing through this area.

And rather than charging fixed rates, they can price according to demand.

The 1992 law now requires companies to charge "reasonable" rates.