As a credit cardholder, it's likely that you've come across the term "annual percentage rate." Even if you have a rough idea of how APR works and what it is, you may still have questions about how it ...

It’s common for credit cards to offer an introductory period of 0% annual percentage rate for new cardholders, often 12 to 24 months. But you don’t always have to apply for a new credit card to get a ...

A 0 percent APR credit card can be a great financial tool, but there are debt traps to be aware of when using one. Always make the minimum payments on your credit card to avoid consequences like late ...

If you've ever owned a credit card before, chances are you're familiar with the term "APR," or annual percentage rate. For specifically credit cards, your purchase APR is essentially your interest ...

Financial crises often force borrowing as a means of survival. As debt grows and interest charges pile up, you may fall ...

Last month while I was working on a story about the credit-card industry, I realized I didn’t know the APR on my own credit card. As a personal-finance reporter, this felt like a cardinal sin, so I ...

Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. Tfilm / Getty Images The Federal Reserve cut its ...

The spread between personal loan and credit card rates has become historically wide. Credit card marketing costs and consumer habits may be the cause. You can use this information to your advantage, ...

More than 8 in 10 people have successfully negotiated a lower APR. Here's what to say when you call your bank. My credit score and income are better than ever, so I called my bank to ask for a lower ...