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Finding the Best 0 APR Balance Transfer Credit Cards

If you currently carry a balance on one or several credit cards and are paying high interest rates then perhaps it’s time you compared the best 0 balance transfer credit cards to see if you can immediately begin to save money.

Currently there are several outstanding credit cards that offer balance transfers. Discover credit cards, Chase credit cards and American Express credit cards all feature 0% introductory rates on some of their finer offers.

Of course, the name introductory rate means just that, that the 0% APR is good for an introductory time period which usually lasts anywhere between 6 months to 12 months. After that the agreed-upon interest rate in the disclosure statement will go into effect.

Please carefully read the terms and conditions laid out in the disclosure statement so that you understand exactly what interest rate you will be getting once the introductory period expires.

Not everyone that qualifies for approval will receive the lowest interest rates. The interest rates that account holders get are based on their credit ratings. That means that the better your credit history is, the lower your interest rates will be and vice versa.

Also keep in mind that there are fees attached with just about every credit card offer on the market today and that includes the best 0 APR balance transfer credit cards as well. As a matter of fact, all credit cards have balance transfer fees which range between 3% to 5% of the total amount to be transferred.

Other fees to be aware of include annual fees, cash advance fees, penalty fees and so forth. Some cards may have some of these. Some cards may have all of these. And some cards will have a combination with other fees not mentioned here. There most certainly is no universal standard.

It is vitally import and that you carefully read the terms of service so that you understand exactly what the interest rates are as well as the fees. In addition you will also want to understand the terms of the rewards programs, if any, and other important factors such as grace periods and so forth.

The finer credit card comparison sites will have a category devoted specifically to featuring the If you currently carry a balance on one or several credit cards and are paying high interest rates then perhaps it’s time you compared the best 0 balance transfer credit cards to see if you can immediately begin to save money.

Related Information:

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