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Balance transfer credit cards are cards that allow users to consolidate their credit card debt. These cards work by allowing the cardholder to transfer the outstanding balance on all their cards to one single credit card. This results in lower payments and best of all, one interest charge instead of [link widoczny dla zalogowanych] two or more depending on the number of cards you have.
When comparing balance transfer [link widoczny dla zalogowanych] credit cards, be sure to carefully read the fine prints. Failure to do so can result in higher monthly fees as well as a higher interest rate (APR) than you expected.
The first item to compare [link widoczny dla zalogowanych] on balance transfer credit cards is the APR. Some offer [link widoczny dla zalogowanych] extremely low introductory APR but once the introductory period has expired their rates may end up being higher than a card that starts out with a higher APR. Most importantly, [link widoczny dla zalogowanych] ensure that the introductory rate refers to the transfers as well as current balances.
Next check out how long the [link widoczny dla zalogowanych] introductory APR you are offered will last. If you can pay off your balance during the length of the introductory period, a 0 or low APR is great even if the interest rate after the introductory period is high.
Are there balance transfer fees? This is an important question that needs to be asked as failure to do so may require that you come up with even more money. A balance transfer [link widoczny dla zalogowanych] fee of anywhere between three and [link widoczny dla zalogowanych] four percent (3%-4%) is possible. If you transfer a balance of six thousand dollars and pay a transfer fee of three percent (3%) you will need to [link widoczny dla zalogowanych] come up with an additionally one hundred and eighty dollars ($180). At four percent (4%) on [link widoczny dla zalogowanych] the same amount you will need to pay two hundred and forty dollars ($240).
Compare the penalties for late payment. [link widoczny dla zalogowanych] A late payment can send a low APR card's interest rate way up, sometimes the rate [link widoczny dla zalogowanych] can double or triple because of one late payment.
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