PFCs are most notable because they determine annual percentage rate (APR) of a loan. Lenders are required by law to disclose APR. This is a good idea in concept, but not so simple in practice.

When you research credit cards online, you'll often see guidance on the required credit score ... you have a card with a 0% introductory APR and a $150 sign-up bonus if you spend $1,000 within ...

Some intro APR cards also come with additional perks like cash back rewards or sign-up bonuses that add extra value. However, to make the most out of these cards, you need careful planning and ...