Intro APR offer: The Wells Fargo Reflect Card offers a 0% intro APR for 21 months from account opening on purchases and ...

Nearly half of American households have credit card debt and pay more than 20% in interest on their revolving balances. Even when the Federal Reserve cuts rates, those high APRs don't fall much.

Last year was kind of a lot. Once-secure federal government jobs were slashed, and that was before the longest government ...