If you pay off the balance every month you will not have any interest applied to your credit card. Another way to avoid interest is to transfer balances to cards that are offering no interest for 6 months (or whatever the time frame is) this is a great free way to avoid paying high interest rates. If you do not have several credit cards, after paying on your credit cards for a few months and are in good standing, if you contact the credit card company usually they will lower your interest rate.
How to prevent interest rate for my credit card?
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