You can treat your refund like extra spending money—or use it to knock down high-interest debt and avoid costly charges.

I crunched the numbers, and these no-annual-fee cards beat the competition for grocery shopping. But the best choice depends on your spending.

Keep your credit lines open. If you have a credit card that doesn't earn much in the way of rewards but you've had it open ...

A cap on rates sounds like a dream for borrowers, but experts warn it could turn into a nightmare for some.