Credit card debt can be extremely frustrating to pay off. You make payments month after month, but you never seem to get anywhere. The reason is probably your interest rates. Credit cards have relatively high annual interest rates compared to other types of debts, like mortgages or auto loans. That high credit card APR eats up a big chunk of every payment you make, which makes debt repayment slow and expensive. Here’s why high credit card APR is such a pain and what you can do to make it less painful…