 TITLE: How to Avoid Paying Credit Card Interest CONTENT: Credit Cards With Multiple APRs\n-------------------------------\nWhen you look at credit card offers or advertisements, the APR that's touted most prominently is the APR for purchases. This is the interest rate that applies anytime you use your card at a retailer, restaurant or online merchant. Many credit cards also have other applicable APRs for cash advances and balance transfers. The cash advance APR typically is several percentage points higher than the APR for purchases. Some cards offer a very low (as low as 0%) balance transfer rate during a special introductory period—this type of card can be useful to pay down debts. Higher penalty APRs may also kick in if you miss one or more payments. END