oh, hey.

Mike and I are in the process of paying off our credit cards, which means resisting the urge to book a summer vacation. As much as we would like to convince ourselves otherwise, a credit card with a zero balance is much more fulfilling than a few days on the beach.

If the urge for a few days of sun does get the better of us, the Credit Card Club can help us find a card with low interest rates, no annual fees, and rewards programs so we get the most for our money. The top credit card offer is currently a Chase Visa with 0% APR for 12 months, so we can book that vacation, get a great tan, and take our time paying it off!

Sometimes we just can’t avoid making a charge, but we can avoid using a card with high rates and no incentives.

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