Credit cards reign as one of the most ubiquitous financial products for consumers. Yet, they are often still not well understand by cardholders and non-cardholders alike. To bring some clarity to the credit card world, I was fortunate to have Nerd Wallet's credit card guru, Sean McQuay, join me on this NGPF podcast to help answer such questions as: . Why are those 0% APR offers so prevalent? . Why can't you find out the interest rate on your new credit card until it arrives in the mail? . What credit card has the best awards program? . What's a secured credit card and how can it help a young person establish a credit history? I know that you enjoy this entertaining conversation with Sean!