But if you think you might carry a balance on this card, proceed with caution — with high interest rates, your balance could balloon quickly. 6. You can only use the card at JCPenney stores and ...

Credit cards have notoriously high interest rates, so carrying a balance can be costly. However, some cards offer a path to paying off debt quicker with an introductory 0% APR period. These cards ...

If your stocking was stuffed with gift cards you have no interest in redeeming, there are some simple ways to turn your disappointment into cash. Many third-party websites allow you to exchange ...

Commissions do not affect our editors' opinions or evaluations. A balance transfer credit card can be a powerful tool in your debt-busting arsenal. Paying off your balance while interest isn’t ...

A balance transfer is when you transfer a credit card balance from one credit card to another in exchange for a statement credit on the original card. If the new credit card has a low APR, then a ...

Adam has interviewed over 1,000 finance experts since joining the CardRates team in 2016. He spearheads industry news coverage related to helping consumers achieve greater financial literacy and ...

Commissions do not affect our editors' opinions or evaluations. A balance transfer card can be a powerful tool to help you save money. Instead of siphoning away a large part of your payment toward ...

You’re probably thinking that there is no way anyone can teach you how to get free gift cards, right? I know it sounds like a scam. Trust me, though, it’s not. Many apps pay their members for their ...

What is a balance transfer credit card? With a 0% balance transfer credit card you can shift debt from expensive credit and store cards and freeze the interest for a set period - with some deals ...

He is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use. Jon has a passion for writing and editing, and his articles have appeared in publications produced ...

Today’s staggering credit card interest rates — over 21% on average and over 22% for those who carry a balance — can cost cardholders a lot of extra payments and high balances. Of course ...