You don’t have to close a credit card account to avoid paying an annual fee. Downgrading your card to one that doesn’t charge is better. Here’s how to do it.

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Toby Walters is a financial writer, investor, and lifelong learner.

Many businesses face a similar frustrating scenario: An employee needs to buy software for a project, but the company credit card is with a senior leader, who's traveling. Another team member submits ...

Some of the most-touted credit cards require high income for approval and high spending to make their benefits worthwhile. If ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South ...

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