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Are you tired of paying for your credit card bills with large interest rates? Or perhaps, you want a way to pay off your credit card debt without spending so much on interest fees? If you are, then a credit card balance transfer is for you.

The first thing you need to do is look for another credit card that can make it easier for you to pay for all your credit card debt. You have to realize that some credit cards are better than others. Here are the things you should look for when you are considering to apply for a new credit card:

- Low introductory rate - First of all, if your current credit card requires you to pay a high interest rate, you have to consider applying for a credit card with a low interest rate. There are a lot of balance transfer credit cards available that offer low interest rates and even zero interest rate for a limited time period of 12 months. With this, you can save yourself hundreds or even thousands of dollars paying off your current credit card debt. This is because, with a zero interest rate, every cent you pay for your debt will be deducted from the actual debt and not on the interest rate.

- Transfer fees - Some balance transfer credit cards can charge you a small fee to make the transfer. However, there are available credit cards that offer free balance transfer. Look for a credit card that offers low balance transfer fees or look for one that doesn't even have balance transfer fees.

- Rewards - Of course, if it is possible, you would want a credit card that also offers rewards, such as hotel stays, free cruise offers, car rental offers, points to earn to get gifts and more. Whenever you use your credit card, you will earn points, as you let the points accumulate, you can exchange it for gifts or rewards.

These are the things you should look for in a balance transfer credit card. However, before you start applying for a balance transfer credit card, you should always remember to read the small print. Sometimes, you will discover hidden fees printed and you should be aware that some banks do this to attract customers. Most people tend to neglect what is printed in the small print.

If you don't, you might end up discovering that you have to pay some extra-unexplained fees. Balance transfer credit cards are a great way to pay off your credit card debts.

However, when you apply for a balance transfer credit card, make sure that you pay off all your credit card debt in the given time period of the introductory period to avoid getting high interest rates again.

Another thing that you should remember is that you should ask if how much the interest rate will be after the low interest or zero interest rate introductory period expires. This will allow you to determine if this credit card is worth continuing or if it is time to look for another credit card that offers lower interest rate.

# posted by Medical Information : 1:31 AM