Experts say slower debt growth and lower rates could give consumers new opportunities to pay down balances and save money.

The best balance transfer cards now have long 0% APR periods and no annual fees. Find the right card for you and start ...

Used well, a balance transfer card can turn high-interest debt into a predictable payoff plan instead of a monthly scramble.

Nearly two years with no interest. See why this balance transfer card stands out in December with 21 months at 0% intro APR.

Learn how the previous balance method calculates credit card interest, its implications for cardholders, and why it might not ...

Discover what a zero balance card is and learn how it can benefit your credit score by reducing debt and managing your credit ...

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Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards ...

Take advantage of a negative balance by using the credit to cover a purchase, or ask your issuer for a refund. Many or all of the products on this page are from partners who compensate us when you ...

Erin is a personal finance expert and journalist who has been writing online for nearly a decade. Her passion for teaching others about personal finance came from her own experience of learning to ...