More than 8 in 10 people have successfully negotiated a lower APR. Here’s what to say when you call your bank.

The current mortgage rate on a 30-year fixed mortgage rose by 1.58% in the last week to 6.57%, according to the Mortgage ...

The rate on a 30-year fixed refinance rose to 6.65% today, according to the Mortgage Research Center. The average rate on a ...

Looking to pay off debt? This week's best balance transfer cards give you long 0% intro APR periods and no annual fees -- ...

Learn why this Wells Fargo card earned our 2025 Award for Best 0% Intro APR Card, with nearly two years of interest-free ...

Take advantage of these credit cards and pay zero interest on new purchases or balance transfers for up to 21 months.

Penalty APR. If you have a returned payment or your payments become 60 days late, your card issuer might charge a penalty APR, which can be higher than your standard purchase APR.

Purchase APR is determined by several factors, some that are within your control and some that aren’t. What’s out of your hands: the prime rate, which is influenced by Federal Reserve policy.

You may be able to secure a 0% APR offer by requesting one from your credit card issuer. Offers are generally for balance transfers, but some issuers also offer pay-over-time plans or credit line ...

The APR on a credit card is usually just the interest charged when you carry a balance. For example, let’s assume you made a purchase on your card for $1,000.

With the standard APR being so high, it’s important to pay down the card balance before the 0% APR ends. 0% APR offers are generally reserved for new cardholders, so it’s unlikely that the ...