And it could save you hundreds of dollars in interest payments . Americans had $ 1 billion in debt on their credit cards last year . Percentage of those who pay late is highest in three years . Some people will lower your interest rate . Expert : Use no more than 10 % of your available credit .
Americans had $ 1 billion in debt on their credit cards last year . Percentage of those who pay late is highest in three years . Some people will lower your interest rate . Expert : Use no more than 10 % of your available credit .