Credit Cards with Balance Transfers

Balance transfer cards can help you lower your overall credit card interest and allow you pay down your credit card debt faster. Below our experts explain what's what, and give you helpful tips on how to evaluate balance transfer offers. Click on the images below to get guidance from our experts.

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  • How to choose the right card?

    What to Avoid

    What To Avoid When Applying

    Balance transfer offers with promotional financing can be very helpful if you are in debt, but there are still some things that you should look out for. First, you should be aware of any balance transfer fees, as most cards that offer 0% APR financing charge a 3% balance transfer fee on the amount transferred. Some charge a higher rate that is not competitive; the rare card that has no balance transfer fee is often the best deal. In addition, you should be mindful of the duration of the balance transfer offer. Federal law requires that promotional financing offers be valid for at least six months, and some last as long as 18 months. You should avoid choosing an offer with too short of a duration. Finally, you should be aware that balances cannot be transferred between two cards from the same issuer.
    What to Look For

    What To Look For When Applying

    If you are applying for a new card in order to receive a balance transfer offer, then you should be looking for the longest duration available in order to have as much time as possible to pay off your debt without incurring interest charges. Furthermore, you should try to find a card with the minimum balance transfer fee, which is often 3%. Other desirable features include 0% APR promotional financing on new purchases. You should also examine other terms such as the standard rate of interest, the annual fee and any foreign transaction fees. Finally, seek out any important benefits such as travel insurance and purchase protection policies.
    Apply for More than one?

    Should You Apply For More Than One?

    If you're wondering whether you need to apply for multiple balance transfer offers at the same time, first choose the best offer available and wait to see how large the line of credit will be. If you are able to transfer your entire existing balance to the new card, then you may find you don't need to apply for other cards. If, on the other hand, your new card's line of credit is insufficient to transfer all of your remaining debt, it might make sense to apply for another balance transfer card from a separate card issuer. Since avoiding expensive interest charges is so valuable, doing so may, in the long run, be worth the risk of having your application denied.

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** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.Lenders may use different score models and you may not have the same score.

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