When you go to compare credit cards, put high priority on a low interest rate. If you aren't able to completely pay off your credit card bill each month, your interest rate will determine how much extra you will owe your credit card company. For those who use credit cards often, even a minor difference in the interest rate can make a big difference in how much you end up paying.

Many credit cards have low or 0% introductory interest rates for new customers. These are a great opportunity to consolidate higher interest rate loans and can help you get back in control of your finances. However, make sure that you know when the introductory rate ends and what it will revert to.

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