The Wells Fargo Reflect offers an intro APR on purchases and balance transfers for almost two whole years. Learn why else we love it as a top debt-erasing option.

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 ...

One big problem with credit cards is if you keep using them for purchases, you may never pay off your debt. Personal loans, on the other hand, come with a fixed interest rate, a fixed monthly payment ...

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 ...

To find the right credit card, start by checking your credit score, analyzing your spending habits and thinking about your ...

Maximizing credit card perks isn’t just about spending more. It’s about avoiding hidden traps that erode the value of rewards ...

What will happen to credit card rates if the Fed cuts rates again this October? You may be hoping card rates will drop with ...

With a top cash rewards credit card, you can earn 2% on every purchase without paying an annual fee. Find out which one's ...

A fairly common starting minimum payment for a $5,000 charge is $100 (2%). If you pay $100 a month and don't add to your ...

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