 TITLE: What Is a Good APR for a Credit Card? CONTENT: How to Avoid Paying APR Altogether\n----------------------------------\nWhile you may want to make sure you have a good APR credit card, it's even more important to use your credit cards in a way so you avoid paying interest altogether.\nYou can do this by paying off your balance in full each month before the due date. Because credit cards typically offer a grace period between the statement date and due date—typically 21 days or more—you'll have plenty of time to pay your bill before interest begins to accrue.\nRemember, there's no benefit to carrying a balance on a credit card and paying interest. It doesn't help your credit any more than paying off your balance in full. Here are a few ways to ensure that you never pay interest on your credit cards:\n### 1\\. Avoid Spending More Than You Have\nWhile your credit card isn't directly tied to your checking account like a debit card, you can treat it like it is. Avoid spending more than you can pay off at any given time, preferably through current income rather than from savings.\n### 2\\. Get on a Budget\nIt can be hard to avoid overspending if you don't set any boundaries. Create a budget and set spending goals for each of your major categories. Then keep track of where your money is going to make sure you stay in line with your goals.\n### 3\\. Pay Early\nIf you always wait until the last day to make a payment, there may be times when you forget or don't have enough cash in your checking account to cover the debt.\nTo avoid any mistakes, consider paying off your balance as soon as your monthly statement closes, or make payments throughout the month while the statement is still open.\nAlternatively, consider setting up automatic payments so you don't have to even think about it. Just be sure you always have enough money in your checking account to cover the payment. END