This paper aims to test whether the pricing of credit-card interest rates depends on banks' capital costs, information asymmetry, adverse selection as well as credit-card switch costs, operating size, business intensity, and credit risks. Employing regression analysis with panel data on monthly frequency, this study examines the interest rate behavior of credit cards in Taiwan's banks and the relationship between interest rate behavior and nonperforming loans for credit cards. The findings are that credit-card operating size, credit risks and bank's costs of capital have not affects on credit-card interest rate behaviors, indicating the pricing of credit card rates is unreasonable; there is a negative relation between credit-card rates and business intensity; decreasing in interest rates for a bank and difference in interest rates across banks do not cause adverse selections. Moreover, the switch costs may lead to the stickiness on high levels for credit card rates, and the distinct degrees of information asymmetry across banks possibly explain different interest rate behaviors of banks.