Fixed-rate credit cards may help manage interest if you carry a budget over time. However, they may be harder to find than variable rate cards.

If you can lower your rate and keep similar loan terms, however, you might save money. The best way to get a low rate on your auto loan refinance is to shop around.

Paying your credit card bill early or on time each month. Aiming to keep your credit utilization rate — the percentage of your credit limit that you're using — at 30% or less.

To find discount codes online that actually work, try using Honey, Raukten, a web browsers with a built-in coupon checker, and other tools.

How to use a coupon code Using one of our coupon codes is simple. Look through our list of discounts on one of our retailer pages and find one you’d like to redeem.