It may be a while before card rates come down, but you can still take steps to lower your borrowing costs now.

Credit card balances are finally dipping — but high rates persist. Here's how to start reducing your debt for good.

CNBC Select breaks down how you can negotiate a lower interest rate on your credit card and other options available. How to negotiate a lower interest rate Gather your information If needed ...

The best method for paying down your credit card debt depends on your total debt, savings, financial habits and spending ...

Card issuers use your credit score to gauge their level of risk when lending to you. A good credit score—a FICO Score of 670 or more—can help you secure lower interest rates on credit cards or ...

To enroll in a credit card hardship program, contact your credit card issuer and ask if it offers one. Many major issuers ...

A personal loan can ease the burden of having multiple debts by consolidating them and reducing your payments. But should you ...

To upgrade your credit card, you first must determine which card to upgrade to. Depending on your existing card, you may have ...

What can you do to pay down your debt without a lower APR? You don't need to wait for a lower interest rate to start to pay down any existing credit card debt. In fact, to avoid interest charges ...