With a Credit Card EMI calculator, you can manage big purchases without putting pressure on your budget. By adjusting the tenure or adding a small down payment, you can keep your instalment affordable ...

The first step, consumer finance experts say, is to ask your card issuer to reduce the rate. And with average balances now $6,500, consider using your tax refund to put a dent in the debt.

From understanding jargon such as APRs and 0% transfer offers, to getting perks such as air miles or cashback ...