|
Before you transfer that hefty credit card balance to a card with a super-low introductory rate, read the fine print and ask questions.
Reasons to Transfer Balances:
- Start paying off a larger portion of your balance each month, not just the interest, with your new low rate.
- Consolidate your bills into one account. Most credit cards offering balance transfers will provide you with 3 or 4 checks to pay off your current accounts. Make sure you transfer the balance of the most costly card first. This may not necessarily be the card you hold with the highest interest rate.
- Did you know that you can transfer a balance of a friend or spouse onto your new card to help them reduce their debt? Once you receive your new card and transfer checks, make one out to your friend or spouse's account thereby giving them your new low rate.
First, ask these questions:
- How long does the introductory rate last?
- What is the card's annual percentage rate after that teaser rate expires?
- Does the teaser rate apply to transferred balances or new purchases or both?
- Does that card have an annual fee?
- What about late fees and over-the-limit fees?
- Ask if there are balance-transfer fees.
- Am I still better off if there is a transfer fee?
Once You Have That New Card:
- Don't just pay the minimums. Now that you have your new low rate, you can make REAL progress on getting your balance back down to zero.
- You can send a payment to your credit card company at any time, you don't have to wait for the monthly statement. Don't be late on your payments, or you could lose that low APR you just got.
- Check your balance on your old credit card. You may have a credit from the balance transfer process. Call them and request the check be sent to you. Then apply it towards your credit card balance.
- Remember not to get yourself too deep in credit card debt again.
|
|
|
Featured 0% Balance Transfer Credit Cards
| Discover® More® Card |
|
 |
Intro APR: 0%
Issuer: Discover®
5% Cashback Bonus ®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More® Card |
| Discover® Student Card |
|
 |
Intro APR: 0%
Issuer: Discover®
Make your money worth MoreSM*
Unlimited cash rewards, automatically
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
Customer Service in less than a minute, anytime you want
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® Student Card |
| American Express® Preferred Rewards Gold Card |
|
 |
Intro APR: n/a
Issuer: American Express
Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year
Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
No annual fee for the first year - a savings of $125
The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for American Express® Preferred Rewards Gold Card |
| Starwood Preferred Guest® Credit Card from American Express® |
|
 |
Intro APR: 2.9%
Issuer: American Express
Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for Starwood Preferred Guest® Credit Card from American Express® |
| Blue CashSM from American Express® |
|
This Offer Currently Is Not Available ! |
Intro APR: 0%
Issuer: American Express
Earn up to 5% cash back on everyday purchases - even gas!
No Annual Fee
0% Intro APR for up to 12 months on purchases
Low Balance Transfer APR - 2.99% for 12 months
Express Approval. Get a decision in less than 60 seconds.
More info
This Offer Currently Is Not Available !Apply for Blue CashSM from American Express® |
| TrueEarnings® Card from Costco and American Express® |
|
 |
Intro APR: 0%
Issuer: American Express
Earn Cash Back - 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
More info
Apply for TrueEarnings® Card from Costco and American Express® |
| Discover® More® Card - American Flag |
|
 |
Intro APR: 0%
Issuer: Discover®
5% Cashback Bonus ®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More® Card - American Flag |
| Discover® More® Card - Sealife Collection |
|
 |
Intro APR: 0%
Issuer: Discover®
5% Cashback Bonus ®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More® Card - Sealife Collection |
| Wired Plastic Prepaid Visa Card |
|
 |
Intro APR: n/a
Issuer: BankFirst
New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
No Bounced Check, NSF and Overdraft Charges EVER!
FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
FREE Bill Pay Service - Pay Anyone Online or Over the Phone
FREE Credit Builder with Overdraft Protection
FREE Mobile & Email Alerts
FREE Direct Deposit - Eliminate Check Cashing Fees
Add Cash Instantly at 100,000 Retail Locations Nationwide
More info
Apply for Wired Plastic Prepaid Visa Card |
|
|
 |
Intro APR:
Issuer:
More info
Apply for |
| Baalance transfers |
|
 |
Intro APR:
Issuer: Mortgage-Refinance
Property acquisition plans can go haywire if buy to let mortgage is not planned well. Buy to let mortgage, unlike other forms of property baalance transfers investments, contribute a major share towards the Rewards credit cards acquisition.
More info
Apply for Baalance transfers |
| Orchard after bankruptcy |
|
|
Intro APR:
Issuer: Investing
What are Index Futures?
Future contracts originate from commodity orchard after bankruptcy trading.
More info
Apply for Orchard after bankruptcy |
| Royal bank visa 1.9% |
|
|
Intro APR:
Issuer: Credit
Ever heard about cash back credit cards? Getting a credit card that offers cash back always sounds like a good idea.
More info
Apply for Royal bank visa 1.9% |
| Credit cards for wedding purchases |
|
|
Intro APR:
Issuer: Credit
When it comes to life the majority are always assuming, and the most of them assume the worst. Creditors, debtors or anyone today all base their theories on assumptions and assumptions Rewards credit cards from the beginning of time have caused nothing but failure.
More info
Apply for Credit cards for wedding purchases |
| Discover 0 percent for life |
|
|
Intro APR:
Issuer: Personal-Finance
An offshore bank is a bank located outside the country of residence discover 0 percent for life of the depositor in a low- or no- tax jurisdictiondiscover 0 percent for life .
More info
Apply for Discover 0 percent for life |
| 4.99% credit card transfers |
|
|
Intro APR:
Issuer: Investing
While you might assume any mutual fund investor should use Money’s mutual fund record-keeping tools, that isn’t the case.
More info
Apply for 4.99% credit card transfers |
|
