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

Get up to 24 months interest-free with this week's best 0% intro APR cards -- ideal for big purchases or paying down debt ...

This top-rated Wells Fargo credit card offers nearly two years of breathing room. See why it won our 2025 award for best 0% ...

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

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 climbed to 6.62% today, according to the Mortgage Research Center. Rates averaged 5.54% for a 15-year financed mortgage and 6.35% for a 20-year financed mortgage.

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.

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 ...