How to Minimize the Amount of Interest You Pay

Here are some strategies that can help you reduce your APR interest payments, so you can pay off your balance faster.

• Find a lender that will give you the lowest possible APR on an ongoing basis. A lower APR translates into lower interest charges as a percentage of your outstanding balance.
• Make the highest possible payment you can against your balance each month. The lower the unpaid balance you carry forward, the less you'll pay in interest payments…and the faster you pay off your balance (if you don't make additional purchases).