So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans The majority of U.S. consumers often have wallets full of plastic. Many obtain these cards with little knowledge of how they work or the way interest on purchases is calculated, and those least able to repay appear to be the ones getting into the deepest end of financial hot water. Credit-card companies often offer tempting incentives like low or zero percent APRs, frequent-flier miles or cash back on purchases. Someone has to bear the cost of these promotions, and they are often the families already in financial.

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