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Balance Transfer Tips:

• Card issuers can charge a fee if you use their card to obtain a cash advance, if you fail to make a payment on time, or if you exceed your credit limit. Some may charge a flat fee every month whether you use the card or not. Be sure to understand what all the additional fees are before applying for any credit card. There are also balance transfer fees to consider. Offers with no balance transfer fees are the best, however, if you carry a high balance, in the long run, you are still going to be better off doing the transfer with the fee and taking advantage of the 0% rate over the next 12 billing cycles.

Read more balance transfer tips here.

• Check your balance on your old credit card. You may have a credit from the balance transfer process. Call them and request the check be sent to you. Then apply it towards your credit card balance.

0% apr for 12 months on purchases and balance transfers

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