According to Federal Reserve data from Q1 2024, the average annual percentage rate (APR) on credit card accounts reached 21.59%. This is where the concept of a zero balance credit card can be a ...

Paying off your credit card debt can be a huge feat. But if you’re not careful, it can be too easy for you to get right back into the same predicament. Even though Americans repaid more than $40 ...

If a credit card refund results in a negative account balance, the issuer will return the money. Alternatively, you could charge additional purchases to bring the balance back up to zero or more.