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Balance Transfer Tips:

• Consolidate your bills into one account. Most credit cards offering balance transfers will provide you with 3 or 4 checks to pay off your current accounts. Make sure you transfer the balance of the most costly card first. This may not necessarily be the card you hold with the highest interest rate. An easy way to figure out which card is the most costly is to look at how much you pay in finance charges for each card. Transfer the card with the highest monthly finance charge first.

Read more balance transfer tips here.

Start paying off a larger portion of your balance each month, not just the interest, with your new low rate. Citi has a great offer now for a full year:

0% apr for 12 months on purchases and balance transfers

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