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The interest rate your lender gives you isn't the true cost of your mortgage. Learn how to calculate your effective interest rate, including any discount points.

Key takeaways Using a personal loan to pay off credit card debt could be a smart move if you can secure a lower rate or are juggling multiple credit card payments Paying off credit card debt with a ...

Efforts to shoehorn the Credit Card Competition Act into pieces of popular legislation need to be defeated. The proposed law ...