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Your credit card spending may have a bigger impact on your revolving accounts than you might think. Indeed, some credit card issuers and others have admitted that your spending habits may be influencing what happens to your credit card interest rate, or to your credit limits. Of course, the Credit CARD Act passed last year provides some protection against these practices, but even the fact that the issue has come up in recent years offers…

Right now, interest rates are at record lows. This means that if you are going to borrow money, now is a good time to do it. (It is also a good time to pay down debt, since more of your payment will go to principal.) If you have been looking for a good time to make home improvements, this might be it, depending on your individual situation. Home equity loan rate and HELOC rates are…