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Take Advantage of Balance Transfers

Debt Advice

When you’re paying off debt, sometimes it makes sense to transfer the balance of a high-interest credit card to one with lower interest or especially a card that offers zero percent interest for a certain period of time.

This means you can borrow the credit card company’s money for that time period without having to pay for it. This can really help you out when you’re struggling to keep up with debt. Get online quotes today.

Of course, most of these offers can only be taken advantage of by people who have really good credit, and even then, when the time period for zero percent interest is up, the interest rate applied could be shocking. But if you know you’ll be able to pay off the balance by the time the interest rate is applied, this could be the answer you’ve been looking for.

Don’t grab the first offer you see. Take a look at all of the offers available to you before you decide which credit card to transfer your balance to. Get online quotes from several different companies, make sure they have no annual fee, and see if any of them offer cash-back plans. Then if you decide to continue to use the card after you’ve paid off your balance transfer, the extra features you chose will make it worthwhile.

If you don’t think you’ll be able to completely pay off the balance, you’ll want to transfer the remainder to another credit card before the zero percent interest period expires. Get online quotes to help yourself decide on a new card. Don’t do this too often, though, because credit card companies watch for this sort of thing, and they could end up denying you credit, leaving you stuck right where you are.

Balance transfers are also great for consolidating a number of smaller, higher-interest debts under one lower-interest credit card in order to save money. Get online quotes to find out which one has the best rates.

The one thing to stay aware of when you use a balance transfer plan is any type of penalty for late payments or missing a payment. In these uncertain economic times, you should exercise caution with all of your financial transactions. Get online quotes to help you decide on the best course of action for you.

Many credit card customers are looking for great rates on balance transfers, so more credit card companies than ever are offering them. Get online quotes to find the best rates for your own balance transfers.

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