Average APRs have inched down slightly, but you should focus on lowering your credit card balance as soon as you can.

Mastercard stock climbed on its Q4 results, revenue guidance. Dow Jones rival Visa, also near highs, reports after the close.

Mastercard earnings rose in the fourth quarter as the company reported a jump in cross-border credit card use. The credit card company reported net income of $3.34 billion, or $3.64 a share, compared ...