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 ...

Learn some of the top credit card habits that lead to debt and simple strategies you can use to stay financially secure and ...

Credit card debt is expensive and potentially bad for your credit score. The most cost-effective method for paying it off is typically the debt avalanche strategy.

If you carry a balance on your credit card, brace yourself: The Fed hiked benchmark interest rates this week by a hefty 0.75% for the third time this year. Currently the average APR on new credit ...

Credit card companies may settle debts for less than the full balance, but the percentage varies widely. Here's why.

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 ...

The Federal Reserve cut short-term interest rates for a third time in 2025. What's next for borrowers and consumers?

If you're managing a short-term financial gap, paying interest temporarily can be OK. Calculate the costs when deciding whether to carry a credit card balance or do a balance transfer. Try to avoid ...

A high credit score feels like a win, but many borrowers don’t actually cash in on it. They still accept the first offer they ...

Business lines of credit often have higher limits, but business credit cards might offer rewards.