Credit cards can be a great asset, but if you're not careful they can also generate financial problems. The AOL Money & Finance Credit Cards Calculators can help strike that balance. Flight cards vs. low-rate cards, credit card consolidations, interest rate issues... create a clearer financial picture with our credit cards calculators.

• How important is the credit card interest rate?
• How will rate changes affect my balance?
• Is a lower rate worth the annual fee?
• What will it take to pay off my credit card balance?
• Should I consolidate my credit card debts?
• Which is better: flight card or low rate card?
• Which is better: rebate card or low rate card?
• Should I consolidate my credit cards?