Do you have a low-interest card in your portfolio of credit cards? If not, the time to think about getting one is long before you need one

With the many cards sporting interest rates above 20 percent, a truly low-interest credit card may seem like a rare species. But they’re out there. Here are our picks for the best credit cards charging less than 10 percent

If you have a good credit history, it may be possible for you to lower your credit card APR — sometimes substantially. Here are some tips for helping you choose which APR-lowering strategy might work best for you …

About half of U.S. cardholders carry a balance forward on their credit cards from month to month. With credit card interest rates continuing to inch upwards, it makes more sense than ever to look for ways to reduce interest expenses.

Few things are as frustrating and expensive as being saddled with high-interest rates. However, there is much you can do to lower your interest rate, by negotiating a lower rate and/or transferring balances elsewhere.