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Balance Transfer Tips:

If you don't pay your bill in full, you'll probably have to pay finance charges on the unpaid balance. More importantly, if you continue to charge while carrying an outstanding balance, your debt can grow in a hurry, and before you know it, your minimum payment is only covering your interest. (A good time to consider a 0% balance transfer.) If you start having trouble repaying the debt, you could tarnish your credit report.

Credit card companies may charge a yearly fee for providing you with a credit card account. Annual fees for credit cards range from $0 to $80.00. When choosing a credit card for balance transfers, be sure to take into account the cost of the annual fee.

You can read more balance transfer tips here.

Citi has some great deals now, and have earned our editor's pick:

0% apr for 12 months on purchases and balance transfers

 

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