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Balance Transfer Tips:

There are many advantages to having a credit card such as being able to purchase items online and make hotel and car reservations. The way you handle your purchases should be taken seriously. Here are a few tips and suggestions about using credit cards:

• Never lend your credit cards to anyone. Who knows what can happen.
• Credit cards are a loan - you do have to pay back what you owe - so try not to charge more than you can afford to pay back.
• Keep track of how much you spend on your credit card. Remember that charges can add up fast. Be careful at Christmas time.
• Save your credit card receipts. Compare them with your monthly bill. Rreport problems to the company that issued the card.
• Pay your credit card bill on time, and in full when possible. If you don't, you'll have to pay finance charges on the unpaid balance - and it takes a long time to get caught up if you just pay the minimum.

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 a great balance transfer offer that grants you 0% interest on balance transfers and purchases for a year:

0% apr for 12 months on purchases and balance transfers

The Universal® Entertainment MasterCard®

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