The first step, consumer finance experts say, is to ask your card issuer to reduce the rate. And with average balances now $6,500, consider using your tax refund to put a dent in the debt.

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 ...

Freedom Debt Relief reports that negotiating credit card debt can lead to lower payments, waived fees, or partial forgiveness ...

If your credit cards are adding up, taking time to review what you keep and what you cut can save you money and maximize ...

With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better ...

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It’s nerve-wracking when your credit card gets declined. Whether you’re shopping online or in person, knowing common reasons a card gets declined can help you avoid this unwelcome predicament or at ...

Many online retailers suggest you store your credit card on their site, to make future purchases quicker. But one man learned ...