How can low APR credit card eases debt management problems

Indeed, if a credit card is used properly, it can be a powerful financial tool and an effective means of debt management as well. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low Annual Percentage Rate (APR) credit card ushers in—to help people who plan to maintain a balance on their account and not to pay the full amount monthly.