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A balance transfer is when you move your balance from one credit card to another offering a lower or 0% annual percentage rate (APR) for a set period of time, usually six months to up to two years ...
A few credit card issuers also offer balance transfer checks, which give you the option to complete your transfer with a paper check instead of requesting a balance transfer online or over the phone.
You might also want to look into balance transfer credit cards that offer 0% introductory APR for 12 months or more or consider consolidating multiple debts into a single lower-rate personal loan.
Even if you open a balance transfer card with an intro offer that applies to both, whatever you spend will be added to the total balance you must pay before the intro APR period ends.
When I performed my balance transfer with the Citi Simplicity® Card* for $4,000, I had a balance transfer fee of $200 and an intro APR period of 21 months. So I divided $4,200 by 21 months and ...
Credit card interest rates make it expensive to carry a balance, but a balance transfer can ease the pain. Find out how it works and how to get started. ... 24/7 Help. For premium support please ...
In this case, another balance transfer could help you buy more time, as the best balance transfer cards offer up to 21 months interest-free. There’s no shame in taking advantage of the financial ...
The most important reason to pursue a balance transfer credit card is to take advantage of a low or 0 percent introductory APR offer. By transferring your debt to this new card, you start saving ...