Look for opportunities to use the cash to improve your financial security.
You may be able to get a better rate from another provider.
How you save and where you stash your cash are paramount.
In the right situation, a balance transfer from one card to another could save you money.
Retail cards are easy to get, but they may not be the best long-term option.
While it’s technically possible, it’s rarely a good idea to use a card to pay off a student loan.
It’s possible, but it’s best considered only if you can pay off the balance immediately.
Lower interest rates could reduce your costs, but it may not be automatic.
Taking a few steps before you apply for a mortgage can make it easier to get approved with favorable terms.
Near-zero federal funds rates help reduce interest rates for consumers across the board.