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  • InCredit Cards, News, No-home

I’m carrying credit card debt and need a low interest rate

Man carrying a heavy sack.

Most people don’t aim to get into credit card debt. It mostly happens by accidental. A series of random purchases, or a period of low income, and suddenly they’re getting whacked by interest on their debt! One card can become…

  • newtimesBynewtimes
  • OnJanuary 9, 2026
  • InCredit Cards, No-home

Can’t get out of credit card debt? Here’s why

Illustration of a man on a. treadmill chained to his credit card.

Some people treat credit cards like loans – a way to borrow now and sort things out later. But that isn’t the way credit cards should be used. Credit cards are short-term purchasing tools, designed for people who already have…

  • newtimesBynewtimes
  • OnJanuary 2, 2026
  • InCredit Cards, No-home

I mainly want travel & rewards points

Man dragging suitcase to the airport.

Travel and rewards credit cards suit people who put a large amount of spending through their card each month and pay the balance off in full. In return, spending earns points that can be used for flights, flight upgrades (if…

  • newtimesBynewtimes
  • OnDecember 19, 2025
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