Take advantage of a negative balance by using the credit to cover a purchase, or ask your issuer for a refund. Many or all of the products on this page are from partners who compensate us when you ...

The statement balance tells you how much you owe after a single billing cycle. For a more up-to-date account of your credit card debt, check the current balance. Many or all of the products on this ...

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Debt can feel overwhelming and difficult to manage, but the right tools can help you regain control of your financial situation. Balance transfer credit cards consolidate debt while often providing ...

A balance transfer allows you to move a balance from one credit card to another, typically to take advantage of a low or 0% introductory APR. A balance transfer can save you money and give you more ...

Learn how the previous balance method calculates credit card interest, its implications for cardholders, and why it might not ...

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A small unpaid balance can trigger interest charges, score shifts, and reporting issues even if you pay your bill on time.

These top 0% intro APR and balance transfer cards can help you save hundreds in interest in 2026 and pay off your debt faster.

Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels ...

Dashia is the consumer insights editor for CNET. She specializes in data-driven analysis and news that intersects personal finance, tech and consumer sentiment. Dashia investigates economic shifts and ...