Dear Liz: I am an 80-year-old female in generally good health. My only family is my unmarried 54-year-old son. The only debt I have is credit card debt of about $30,000 at 0% interest. It’s in my name ...

PHOENIX — If you’re not using a credit card with rewards, you could be missing out on hundreds, or even thousands, of dollars in perks each year. In a recent Bankrate survey, 40% of Americans said ...