A higher APR results in higher interest charges when you carry a balance. This increases the borrowing cost of using your ...

Many people misuse 0% intro APR cards and rack up even more debt. Here's how to avoid the trap and actually come out ahead.

The Wells Fargo Reflect offers one of the longest intro APR periods you can find. Learn why it's our favorite way to finance big purchases today.

All credit cards come with more than a few moving parts. Among them is an annual percentage rate, or APR — the cost of borrowing money using the card. However, the tricky thing with credit cards is ...

Minimum payments barely chip away at your balance and allow interest to pile up. Neglecting ways to reduce your interest, like 0% APR periods, hardship programs or rate negotiations, can be costly.

What may be surprising, though, is that the very tool that got you into debt could also be your way out. Credit cards, when ...

Credit card annual percentage rates, commonly known as APRs, determine how much you’ll pay in interest if you carry a balance on your credit card. Your card’s APR can vary depending on a few different ...

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 ...

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 ...