Zina Kumok is a freelance personal finance writer based in Indianapolis. She paid off her own student loans in three years. She also offers one-on-one financial coaching sessions at ConsciousCoins.com ...

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What gets paid off first — regular balance or pay over time? I use Chase and have noticed lots of cards are offering to split big purchases into monthly payments that are less than your regular ...

The golden rule of credit cards and earning rewards is that we should strive to pay our balances in full each month. The massive interest rates banks charge — especially on travel rewards cards — will ...