The best 0 percent APR credit cards can help you finance a large purchase, get out of debt and avoid interest charges that could threaten your financial security. But for every person who successfully uses a zero-interest credit card as a life raft, someone else may end up making the kind of error that lands them in a debt trap.

Balance transfer cards are often used for credit card debt, but you can pay off other debts too. Find out what kind of debt can be transferred to a credit card.

Those with credit card debt may want to consider tools like a personal loan or bankruptcy to avoid collections. Read on to learn more about your options.

If you pick the right credit card, you could earn something back every time you spend. Some card providers offer cashback on the amount you purchase, while others offer rewards which allow you to earn points as you shop.

Retirement is a time of life for many people when free time is in abundance but income is limited. This makes it especially important to be financially frugal and think carefully about how to pay

Credit cards offer convenience of purchase and rewards, but they should be used responsibly. Understanding billing cycles, making timely payments, and monitoring expenses are crucial to avoiding debt and building a positive credit history.

While a credit card can bail you out in an emergency, you don't want to end up in debt due to poor usage, as the high interest rates could make it challenging to pay it off. Find Out: Do Your

According to Lending Tree, the average APR for credit cards was down 0.11% in November from October, but this was still 24.61%, which can add up fast.