O Credit Cards => O Balance Transfer Credit Cards
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O Balance Transfer Credit Cards
Financial Dept. American Association of Credit Card Holders
O Credit Cards
Many credit card companies offer
balance transfer option wherein you
can transfer the balance from your
other credit cards for a lower or zero
rate of interest thereby reducing the
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burden of credit card debt.
0 APR Credit Card Offers
By opting for O balance transfer credit
card offers, you can reduce your APR to
0 APR Credit Cards
a great extent and save a good deal of
money. It also becomes easier to keep
0 Balance Transfer Credit
track of your debt and monitor your
Cards monthly payments by consolidating
your credit card balances to a single
0 Interest Credit Cards card.
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It is however, very essential to be cautious and use the 0 balance transfer credit card facility
after going through all the terms and conditions stipulated by the card company. If you have
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a balance on two or more credit cards, you tend to pay a higher APR on all of them. Most
credit card companies offer excellent introductory APR balance transfer offers with very low or
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0 balance transfer credit card interest rate.
Low APR Credit Card
Some of the best cards offer a 0% introductory APR for an extended period of time. This is an
excellent opportunity for those who are caught in a debt trap and are unable to take the
Low Balance Transfer
burden. In order to beat the competition, certain credit card companies offer 0 balance
Credit Card transfer credit card with no interest rate for the entire time period in which you pay your
entire balance transfer amount.
Low Interest Credit Card
Low Rate Credit Card There are some credit card companies
offering a fixed rate of interest after
» until you pay off your balance transfer
debt. These cards usually do not offer
the initial 0% APR for balance transfer.
As you consider transferring your
balance to a credit card that offers 0%
APR, it is important to keep a few
aspects in mind. It is important to take
your time researching on the
companies and going through their
terms and conditions with care before
choosing the best 0 balance transfer
credit card for your requirements.
Remember that the 0 APR offered for balance transfer by these card companies are always
limited by time. The time period they offer depends entirely on your credit history. It is
therefore important to shop around for the best deal wherein you get the maximum number
of month’s interest free.
This way you can ensure that the introductory offer is entirely in your favour and you take
complete advantage of it.
Choose the best 0 balance transfer credit card that is highly flexible in operations and will
allow you to transfer your balances whenever you want to during the introductory offer
Certain cards offer a low rate of interest and not entirely a 0 balance transfer credit card. The
low rate of interest is usually fixed and does not change until you pay off the balance
As you shop around for a good 0 balance transfer credit card, you will also find that most of
the card companies charge you a transfer fee. It is in your interest to work out and see if the
transfer fee they charge does not in any way negate the financial advantage you gain by
transferring your balance.
Otherwise the entire process will be in vain, especially if you are transferring balance from a
couple or more cards. Remember that the best 0 balance transfer credit card offers in the
market will not charge any transfer fee.
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