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.

When applying for a credit card, something to consider is whether you will be carrying a balance on the card. Consumers looking to apply for a credit card they can use to pay purchases over time are better served by a low interest credit card.

The easy access to credit afforded by credit cards for decades has allowed us to indulge our every whim and fancy at a moment’s notice. Far gone is that strange, old-fashioned custom called “saving,” a relic from the time of our grandparents and great grandparents.