Tag: interest-rates

Our fridge just retired in a puff of warm air, and the store is dangling 10 percent off with 12 months no interest if we open their card. We can pay it off within the promo window and but fees and tiny traps make me twitchy. When does this kind of deal make sense, and what terms should I read twice before signing at the register? (I'm pretty new to this and don't want to overcomplicate it. For context, I live with a roommate and we share most things. I work full-time and squeeze this in around dinner and bedtime. Time-wise I can commit a few hours a week, not a full overhaul. If there are pitfalls you ran into, those would be super helpful to hear too. I'm in a small town, so options are limited and shipping can be slow. I work full-time and squeeze this in around dinner and bedtime. Time-wise I can commit a few hours a week, not a full overhaul. Time-wise I can commit a few hours a week, not a full overhaul. For context, I live with a roommate and we share most things.)

I'm parking an emergency fund for 6–12 months and want to maximize safety and interest. What factors should I compare besides APY and early withdrawal penalties? (If it matters, this is for a normal household setup, nothing fancy.)

My current car loan is 7.2% with 36 months left, and a lender offered 6.5% to refinance. There are some fees and I'm not sure about the break-even point. How do I run the numbers and what gotchas should I watch for?

I'm new to credit, have a part-time income, and plan to pay in full each month. For a first card, what matters most—no annual fee, straightforward cashback, a reasonable APR, or starting with a secured or student card? Any common gotchas in terms, minimum redemption amounts, or hidden fees I should watch for?