Learn how to negotiate a lower credit card interest rate and save money. Discover simple techniques to reduce your balance faster and become debt-free.

Credit builder cards are designed to help kick off – or grow – a credit score. This is the measure lenders use when deciding whether or not to grant a loan or credit card, and at what interest rate. Generally the lower a borrower’s credit score, the better the card and loan deals they’’ll be offered.

The Federal Reserve cut rates by a quarter point in October — the second cut of 2025. Another quarter-point cut is widely expected when the Fed meets next week, though chair Jerome Powell isn't willing to commit to anything just yet. Here's what it means ...