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    Avg. APR
Low Interest   10.37%
Balance Transfer   12.73%
Business   12.85%
Student   13.14%
Reward   14.93%
Cash Back   14.94%
Airline   15.46%
Bad Credit   22.73%
Instant Approval   23.33%
Updated: 2014-11-27
Source: CreditCards.com

Retail card survey 2014: APRs get higher, rewards more complicated

By Sienna Kossman
Published: November 25, 2014

The cost of borrowing from your favorite retailer has gone up: The average APR on the credit cards from America's largest retailers has climbed more than 2 percentage points to 23.23 percent, according a new CreditCards.com survey.

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A business may spurn debit cards, but why? --Small businesses running subscription-type services may find debit and prepaid cards a hassle. But think carefully before refusing to accept them ... (more)
How startups can quickly begin accepting credit cards --An entrepreneur wants to temporarily share a card processing machine with an established business while he gets his company up and running. Bad idea. But there are other ways to quickly begin accepting credit cards from customers ... (more)
Can I open one rewards card for multiple businesses? --There's nothing stopping you from using a single card for multiple companies you own, but it's generally not good business practice. There may be better ways to rack up rewards ... (more)
Should you get a credit card for your new startup? --Getting a business credit card can be helpful for a new business, but not in lieu of getting enough startup financing... (more)
Lets Talk Credit
Will making minimum payments damage my credit score? --Consistently making minimum monthly payments on a high balance is a dangerous habit that can damage your credit score if your financial situation worsens... (more)
How minimum payments are applied to small balances --Don't slip up and forget a credit card payment when the balance is almost paid off. A late fee could be larger than your minimum payment... (more)
0-percent balance transfer after debt in collections? Good luck --Balance transfer offers aren't lifelines offered to people with bad credit, they're a deal for those who maintain good credit... (more)
Tick-tock debt: Law gives 30 days to respond to collector --When a debt collector makes first contact, federal law gives you the right to seek verification of the debt and to dispute it -- if you act quickly... (more)
One mistake results in big credit score drop --A single mistake on a card bill caused a huge drop in a customer's score and highlights a credit rule: The bigger the score, the harder the fall... (more)
Speaking of Credit
Landlords limited in ability to pull tenants' credit reports --Though a tenant has left rent unpaid and thousands in damages, that's not enough to give a landlord the right to pull a credit report... (more)
5 credit don'ts for homebuyers applying for mortgages --When you're about to apply for a mortgage, tread lightly on making changes to your credit. Steps you think should be helpful could derail your loan... (more)
5 steps to dispute debt caused by ID theft, stop abusive collection --Take these steps to uncover all the damage left by an ID thief, contest the fraudulent debts and end a debt collector's scare tactics ... (more)
Steps to rebuild credit after bankruptcy --After declaring bankruptcy obtaining secured credit sources and becoming an authorized user can help bring life back to your line of credit... (more)
How early payment can result in late fees --Leaving town? Paying your card bill early can backfire if you miss making the minimum payment by the due date, leaving you with late fees and penalty rates ... (more)