Complex sentence: The term "rate tart" is sometimes incorrectly applied to this practice, however a rate tart frequently moves an existing debt around in order to get the lowest interest rate, but has a real debt and does not do it to earn money.
Split into simpler sentences: The term "rate tart" is sometimes incorrectly applied to this practice. A rate tart frequently moves an existing debt around in order to get the lowest interest rate, but has a real debt and does not do it to earn money.