20Feb/11Off
Best Balance
What credit cards are best for balance transfers?
I'm carrying a $3500 balance with 22% apr and keep hearing about 0% balance transfer. I did research and noticed they charge a fee, which I am hoping to avoid. Anyway, can anyone make suggestions?
This is a good plan if the 0% APR will last you until you can pay off the entire balance. Usually, with 0% APR teaser rates, the APR ends up re-adjusting to a higher amount after 3-6 months. So far the best deal I have seen is American Express' Blue card that offers 12 months of 0% APR. But, there is an annual fee for this card, which takes away some of the benefit of transferring the balance.
When looking at the economics of a balance transfer, you have to know how long it will take you to pay off the balance in order to see if it makes financial sense. you may be better off transferring your balance to a low fixed rate APR, like Capital One offers. Even though it isn't 0%, it is fixed for the life of the balance, so you don't risk ending up in the same high APR situation all over again.
Also, make sure not to charge anything additional on that card since you begin paying interest on additional charges immediately.
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Zenergy Wristband Best Balance and Relaxation $23.99 |
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Zenergy Wristband Best Balance and Relaxation $23.99 |
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Zenergy Wristband Best Balance and Relaxation $23.99 |
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Zenergy Wristband Best Balance and Relaxation $23.99 |
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Zenergy Wristband Best Balance and Relaxation $23.99 |