"Credit cycling" is potentially risky behavior with credit cards, but isn't widely known, experts said. It involves repeatedly maxing out cards and paying down the balance, effectively letting ...

Nearly half of American households have credit card debt and pay more than 20% in interest on their revolving balances. Even when the Federal Reserve cuts rates, those high APRs don't fall much.

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. Credit card debt has become a pervasive financial challenge ...