If you want even more time to pay off your holiday shopping spree, as well as added perks and consumer protection, you should look into opening a 0% APR credit card. A 0% APR credit card can help you defer interest while still providing you with shopping protections, and potentially, the ability to earn rewards.

Interest charges can cause your balance to balloon quickly, but these strategies can reduce those extra costs.

Make sure these elevated and limited-time credit card offers are on your radar this month, or you could end up missing out.

Discover whether you should pay off your credit card immediately after each purchase or wait until the statement closing date. Learn how paying too early could actually hurt your FICO score and why letting a small balance report can boost your credit.

Credit cards allow smart spending with a grace period of 20-30 days for repayments, avoiding interest if paid in full. Responsible use can improve credit scores and help manage cash flow, but failing to repay on time can lead to penalties and loss of grace period benefits.

There are numerous monthly perks and credits you should be using on your credit cards in 2024. We've compiled them here so you won't forget about them.