During the introductory 0% APR period, you can pay down your debt without paying costly interest charges.

This can take time, however, so there are a few short- and long-term solutions to consider if you need to reduce your APR now. The editorial content on this page is based solely on objective ...

A credit card's APR is the rate at which interest accrues on any balance you carry from one billing cycle to the next. If you pay off your credit card balance in full and on time every month ...