If a penalty APR kicks in on your credit card, it won't go away quickly, so it's important to avoid these triggers.

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However, some cards offer a path to paying off debt quicker with an introductory 0% APR period. These cards offer no interest for up to 24 months, which can more than offset any balance transfer fees.

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Unless you're taking advantage of an intro 0% APR offer, if you carry a balance on your credit card, you're likely being hit with high interest charges. The average APR for all credit card ...

Commissions do not affect our editors' opinions or evaluations. A credit card with a long 0% intro APR period can be an excellent tool for managing your purchases without incurring interest charges.