In September, the Federal Reserve lowered its key rate by a quarter point. The move was widely covered by Bloomberg and CNBC, and the Fed posted the official statement on its site. For millions of credit card holders, this sounds like good news, since most variable APRs are tied to the prime rate.

But it’s not that simple. Banks add their own margin, and there’s no guarantee your statement will show a lower rate right away. Some people will see a drop, others may see no change at all.

Here’s where Finny comes in. If your APR really moves, Credit Mentor AI takes that into account and shows you which balance is smarter to pay first. If nothing changes, you just keep getting the same clear guidance that helps you stay on track.