Final answer:
Without specific terms, we can't provide exact values; but typical credit card interest rates range from 12% to 18% annually. Specific fees such as for cash advances, balance transfers, and foreign transactions are provided in the credit card agreement. On average, the annual interest rate for credit card borrowing is around 15% per year.
Step-by-step explanation:
It appears some information necessary to provide specific answers to the set of questions was omitted, particularly regarding the initial Annual Percentage Rate (APR), cash advance APR, the factors that could change the APR to 28.99%, annual fee, balance transfer fee, and foreign transaction fee associated with the credit card. However, the provided text indicates that a typical credit card interest rate ranges from 12% to 18% per year, and on average, the annual interest rate for credit card borrowing is 15% per year. This interest rate applies unless specific conditions are met that would adjust the rate, which are not detailed in the available information. The discussion also mentions credit card users paying basic fees, late payment fees, and that carrying a credit card debt involves managing interest accrual over time.
While the precise answers to the questions cannot be given without the actual credit card terms and conditions, the general understanding from the information is that credit card companies charge interest on borrowed amounts and various fees based on the cardholder's actions and the terms of the card. If you have the credit card's terms or a statement available, you should be able to find specific APRs, fees for cash advances, balance transfers, foreign transactions, late payments, and over-limit fees listed there. It's important for cardholders to understand these terms to manage their credit effectively.