I am sure that three or four times a week you get a pre approved credit card application in the mail.
Balance transfers are always a tempting offers and
promises that you will save buckets of money. Credit card
companies depend on the fact that you will not merely
transfer a balance and pay it off but will charge something
on their credit card. After all, tires go flat and micro
waves quit. There is always an emergency coming along.
From now on it will hold you in good stead if you think
of an emergency as something that involves blood. Unless
some one is bleeding there is no emergency and no reason to
use a credit card.
But, if you do have an iron will and are willing to
plunge into a little de consolodation then a balance
transfer will work for you.
Remember. It does you NO good if you just pay the minimum
payment.
You only have a certain amout of time before the balance
transfer introductory rate ends.
Always take the offer that will give you the most time,
even if their interest rate is slightly higher. Before you
sign up for the balance transfer crunch your numbers hard.
Make sure that you will be able to pay it off in the time
alotted and make sure that you will be able to service your
other credit card debt with higher than minimum payments.
Never
Give Up - Bad
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