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Ca Credit Rating Article
Balance Transfer Credit Cards - How Good Are They
Are you looking for ways to save yourself money? If the answer is yes then read on as I have the answer to your prayers, by changing your credit card to one that offers a balance transfer deal.
The credit card companies are looking for your business, so there has never been a better time to check out the great deals that are on offer, and save yourself some money at the same time. One of the ways to do this is by looking for credit card companies that are offering Balance transfer deal.
0% balance transfers – what are they?
Balance transfer deals, what are they I here you ask! They are here to save us money and using one will be a great advantage to you. If you are not sure how they work read on and I will explain,
A balance transfer is when you move your balance from your existing card to another card that is giving you a better APR. A lot of companies are jumping on the bandwagon with this deal they will offer you 0% interest for a period of time, it could be 6 to 9 months or even up to a year. A typical example is say the card you had was charging you a an APR of 27.9% and your balance is £2000, your monthly payment would be £300 you will not have cleared your balance after a 6 months period, in fact you would have paid £494 in interest and you would still owe £694. If you could have put this amount into a balance transfer deal then the amount due at the end of the six months would be £200, saving you £494 how good is that!
Choose the card that suits you…
Take your time when looking for these deals as there are many out there. Check the junk mail, as it might not be junk after all, or on the Internet, there has never been a better time to take advantage of these great deals. These companies want your business so look around for the best deal to suit you.
If you change your credit card to one with the 0% interest free period, please double check the APR once your free period is over to make sure it is lower than your last card, as you don’t want to be costing yourself more money.
Once you decide to switch cards, and your initial 0% interest free period is up do not be afraid to change to another one and use that one in the same way, it is about time we got something back from these credit card companies.
For credit card advice please visit here http://www.creditcards-gb.co.uk/creditcardadvice.html
Remember…
1) Shop around for the best deal 2) Take into account your personal circumstances 3) Make sure you are aware of the new credit cards APR after the introductory deal is over 4) Do not apply for too many credit cards at once as this may affect your credit rating
Peter Kenny is a writer for creditcards-gb For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.creditcards2go4.com
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