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New Frugal You columnist Gary ForemanNegotiation strategies to get a lower APR

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Two credit cards with the same monthly interest rate may have very different APRs and the credit card with the higher APR will end up costing you more per year.

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Mar 20, 2012 . Credit cards offer a great deal of convenience and give us access to credit at a moment's notice. So why do so many people think they're evil?

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I am traveling to Spain & Ibiza this summer and was wondering which credit card was the best to use while there? or is it better to use Euros?

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