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I need a credit card with a 0% APR to consolidate several of my credit cards into one payment. Please advise what card I can apply.

Answered on November 28, 2015

There are special credit cards that allow consolidation of other cards’ debts - the balance transfer credit cards. These cards usually come with a 0% intro APR on balance transfer offer. The zero introductory period varies, but as a rule it is between six months and two years. So you can find a credit card with introductory period that works for you best. However, there is something else you should take into account when you choose a balance transfer credit card, and this thing is fees. There is a balance transfer fee and there is an annual fee to consider. While you may not find a card without a balance transfer fee, it is possible to find a card without an annual fee. Also, some banks charge no penalty fees when you miss a payment, so if you have a tendency of being late with the payments, this might be added to the desired features of a balance transfer credit card.

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