| Finding a quality 0% APR balance transfer credit card | | | | period expires |
| has never been easier. The Internet makes | | | | 4) Check to see if there is an annual fee charged |
| comparing balance transfer offers from banks and | | | | 5) Find out if there is a balance transfer fee |
| credit card companies such as Chase, American | | | | 6) Find out what the credit limit is |
| Express, Bank of America and Discover Card a snap. | | | | These are the main criteria for choosing your balance |
| There are many quality web sites that will allow you | | | | transfer credit card. These terms can be found on |
| to check out the various credit card deals in an | | | | the application that accompanies the offers. Please |
| efficient manner. | | | | read them carefully. Far too many individuals simply |
| Could you just imagine spreading out all the credit | | | | skip over the terms and conditions from the banks |
| card solicitations that come through the mail on the | | | | and issuers and suddenly find themselves having to |
| kitchen table and attempting to sort through them? | | | | pay rates and fees that they never bargained for. |
| Yeah, I'll take a pass on that too. But now, thanks to | | | | Don't make this expensive mistake. We hate |
| the World Wide Web, finding a 0 APR balance | | | | surprises. |
| transfer card that fits your financial needs is as easy | | | | Balance transfer fees are pretty much a foregone |
| as doing a search using your favorite search engine | | | | conclusion. Almost all issuers charge them. They |
| such as Google or Yahoo. | | | | usually run around 3%. But as for annual fees... there |
| An individual consumer or business owner may have | | | | is no way you should pay for these. If a 0% APR |
| several reasons for wanting to transfer balances. | | | | balance transfer credit card that interests you has an |
| Chief among these reasons is the desire to save | | | | annual fee, skip it. Look elsewhere. Make sure that |
| money by taking advantage of special rates. Many | | | | the credit limit will cover the amount you want to |
| credit card issuers offer 0% APR balance transfer | | | | transfer as well. Following these steps can mean |
| credit card introductory rates that last anywhere | | | | substantial savings. And I'm all for that. |
| from 6 to 12 months. I have even seen some offers | | | | As a financial advisor, Morgan Hamilton dispenses |
| that last for as long as 15 months. Advanta is one | | | | helpful advice and valuable tips with regards to the |
| such offer. | | | | credit card industry including information about finding |
| Now here is what you will want to look for as you | | | | a quality 0% APR Balance Transfer Credit Card. |
| compare the various offers: | | | | Judiciously using 0% APR Balance Transfer Credit |
| 1) Is the rate being offered an introductory rate | | | | Cards can be an extremely effective way to save |
| 2) How long is the introductory rate good for | | | | money. |
| 3) What will the interest rates be when the intro | | | | |