With the average interest rate on credit cards hovering between 14 and 15 percent, carrying a balance month to month can cost a hefty sum over the course of a year, Mannes says. “If you pay off that debt, you don’t have to keep paying interest on that debt. That’s money in your pocket that wouldn’t be in your pocket at the end of the year. That’s a 14 percent return guaranteed.” And high interest rates aren’t the only thing to be wary of with credit cards.
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