Balance Transfer Credit Cards
Have you checked the mail box today? Chances are you received a credit card pitch. Yes, I know these redundant applications can get a little annoying, but some aren't bad if you take a look at the fine print. Many of us could use 0 balance transfer credit cards. This way you can take that horrific lump sum off of your current high interest card and stick it on the new one. This will save you some cash as months go by. The question is; how many credit cards are you currently holding, and what are the interest rates on each one? We all need to keep better track of this to avoid throwing money out the window.
I receive a number of 0 balance transfer credit cards each week. This is typically their selling point. Sure, it always sounds appealing to hear the word "zero." It instantly leads us to believe that we won't lose any money. However, I've learned that it's imperative to examine the tiny print in order to see the whole picture. You want to know how long the good rates last. Many companies that pitch 0 balance transfer credit cards often have an ulterior motive in mind. For example, getting you to transfer your balance so they can jack the interest rates way up a year down the road. My wife regretfully fell for this trick. She received one of the various 0 balance transfer credit cards in the mail a few years back, and decided to transfer a large balance from another card to the new one. Well, at the time this sounded ideal; however, within a year the new credit card had a much higher interest rate than her old one. We all have to watch out for this.
It's certainly not difficult to attain 0 balance transfer credit cards these days. The key is to find a great one that actually holds a low interest rate over a long period of time. This way you can pay off your balance without losing a ton of money to interest. 0 balance transfer credit cards can save you some bucks. Typically cards will jack their interest rates only a year down the road. This is where the fine print proves beneficial. You need to check and see how high those rates are climbing. Maybe the new card is not worth your time. Of course you want 0 balance transfer credit cards to deal with your debt, but you don't want to lose money in the long run.
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