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Average Comparison Rate Over 18% Per Annum means for the purpose of the Writer's submission that have been issued with five or more Credit Cards by Credit Card Issuers (singularly or as part of a personal 'living together' relationship) and have paid in excess of $20,000 in Interest And Fees Revenue in any continuous five year period at an Average Comparison Rate Over 18% Per Annum, the Average Comparison Rate Over 18% Per Annum aggregates the - (i) interest rate (either on Purchases or Cash Advance); and (ii) Annual Cardholder Fee, Cash Advance Fee, Late Payment Fee, Balance Transfer Fee and Over-the-Limit Fee and any other fee/s.
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