The Fed meets April 28 and won’t cut rates. Here’s exactly what that costs you each month on credit cards, car loans, and mortgages — and 4 moves to make before the new Fed chair takes over.
Credit card interest rates remain near record levels in 2026, averaging 19.7% to 23.8% despite three Fed rate cuts in 2025. With $1.233 trillion in balances and minimum payments that can triple your debt, waiting for rate relief is not a strategy. Here are your real options.
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