Balance Transfer Credit Card Deals
If you have a debt on your plastic and can't manage it due to rather high interests, think of balance transfer credit cards. They let you move your debt from one credit card to another one with lower ongoing APR or 0% intro APR and thus, having saved some money on the interests, you will be able to start paying off your debt.
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The Longest 0% APR Period for Balance Transfer
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
Credit balance transfer allows debtors to move the money they owe on their current credit cards to other, usually at a special rate of interest. When you shift your credit, the new credit company pays off the old debt and transfers it to the new card with lower interest. Keep in mind, good balance transfer credit deals are those offering fixed low ongoing APR or a long (from 6 up to 12 months) introductory period within which you will be free from any interest payments. So, read carefully credit card applications in order to choose the right offer.
Another thing to consider is balance transfer fee. Many banks offer credit deals with zero fee for balance transfer, but don`t give up the idea to move your debt onto a plastic with the lowest interest if there is some fee. Consider these offers, because the money you can save by having reduced interest rates will invariably outweigh any one-time nominal fee that may be required.
A balance transfer deal can be very beneficial and will certainly help you to manage your debt, but before signing a contract, pay attention to all terms and conditions to understand clearly what you are getting into. First of all, make sure that your credit balance will be transferred fully, not partially. Remember, if you apply for a balance transfer and you are not approved for a credit limit high enough to accommodate your entire debt, you will end up with two credit card bills instead of just one. Your aim is to get a balance transfer and simplify your life and, of course, to save some money in the process. If you apply for a balance transfer but only qualify to get part of your debt transferred, you won't achieve your initial goal to ease your financial situation, on the contrary, you will make it worse.
One more thing to pay attention to is an interest rate. It is better to apply for a plastic with lower ongoing APR, but you can benefit from a credit offer with 0% intro APR as well. This introductory period with 0% Intro APR will let you start paying off your principal debt without being charged any additional interests. But make sure that after the introductory period will be over, these interests won't shoot up or, instead of a profitable credit deal, you will get a plastic with unmanageable interests.
Paying close attention to all these terms, you will avoid many possible mistakes and get the credit deal that will satisfy you to the full. Our site is ready to help you to make the right choice and offer you a lot of balance transfer credit cards available online. According to your credit history you can get a plastic with no annual fee, 0% Intro APR, or bonus points.
If you have managed to establish a good credit history, you deserve more in return for your efforts than a nice score on your credit report. Apply for Blue from American Express and you will get all the rewards you deserve. As a Blue holder, you will have access to the Blue Membership Rewards Express program that offers you the opportunity to earn points, which can then be redeemed for various products and services. There is absolutely no limit on the points that you can earn, and you'll never have to worry that your points will disappear before you can make use of them-they will never expire.
Now, when you know all the pros and cons of balance transfer credit cards, you can easily make the choice. Make your own credit offers research and apply for a suitable one online!
Other Credit Card Types:
Credit cards with low APRs on balance transfers and purchases. See also credit cards with zero APRs on purchases and/or balance transfers for certain introductory periods.
Pay no annual fee to use your credit card as there is none. Choose from the credit cards with no annual fee.
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