Final answer:
The question does not provide the specific details required to answer it fully. Credit card agreements vary, but low introductory APRs usually last 6 to 18 months before increasing to a standard rate, which can range from 12% to 18% annually.
Step-by-step explanation:
The sample credit card disclosure agreement that was provided doesn't specify the exact duration of the introductory APR period, or what the increased rate will be after that period ends. Typically, a low introductory APR is offered for 6 to 18 months before the APR increases to a standard rate, which is often between 12% to 18% per year, but these terms vary by credit card issuer and specific card offer.
Given the information on credit card debt and usage, it's important to read the specific terms and conditions of any credit card agreement to understand when the APR will change and what the new rate will be. Moreover, this underscores the significance of understanding the terms to avoid unexpected increases in finance charges.