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Balance Transfer Tips:

• How much credit will I need? – If the credit card is for business purposes, maybe you need a card with very high or no spending limits. On the other hand, if this is your first card and you are trying to build credit or just want the card for emergencies, then a more modest spending limit may be the better route to go.

  How do I want to pay back my charges? – Decide if you want to pay off the entire balance each month or just a portion over each month. Some cards offer advantages for both paying structures.

You can read more balance transfer tips here.

Take advantage of the power of 0% and make progress reducing your credit card balances down to zero. Citi has some strong offers right now, and have earned our editor's pick.Transfer your high interest balances now and save. But to reduce your credit card balances down to zero, you have to act and be diligent.

0% apr for 12 months on purchases and balance transfers

The Universal® Entertainment MasterCard®

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