No Balance Transfer Fee Credit Cards

Looking for a 0% balance transfer credit card that does not charge a balance transfer fee, Chances are, you've had some trouble finding one. Over the past year, the number of credit cards offering no fee balance transfers has decreased dramatically. 75. Fortunately, there are still a few credit card companies that offer no fee balance transfers. The trick is to find the right offer and to read the fine print. 75 amounts about 1.5% of the balance transferred. 5000 from three different cards, you will be charged 3% from each card.

600 over the course of 1 year. 750, or enough to buy a very nice dinner with a bottle of wine. Clearly, moving balances from high interest credit cards to 0% credit cards is a great money saver. However, it is worthwhile to seek out a 0% credit card that offers no fee balance transfers, as the savings can add up quickly, especially when consolidating balances from multiple cards. Now the hard part. Since credit card companies that offer 0% balance transfers aren't making money on interest, they look to get it from fees.

Consequently, many companies bury the details of their balance transfer offers in the fine print. After looking over credit card offers from every major issuer, I was only able to find one company that currently offers no fee balance transfers. And the offer was buried very deep in the fine print. However, if you look hard, no fee balance transfer offers can be found. You can compare 0% balance transfer credit card offers and apply online for instant approval.

An acquaintance of mine thought he could save a few thousand dollars in student loan interest by transferring his balance to a 0% APR credit card. 20,000 loan, then transfer the remaining balance to a new 0% APR credit card the next year. What he didn't realize was that its not always that easy to get approved for a new 0% APR credit card year after year, especially when you have a high amount of credit card debt.

2000 0% balance transfer. 2000 in debt. Instead of a comfortable fixed APR of 7.99%, my acquaintance got stuck in a credit card nightmare. Fixed APR balance transfer credit cards provide consumers with a much better way to pay down long term debt such as student loans or car loans at a set interest rate. Currently, some credit card companies are offering fixed APR credit card rates as low as 3.99% for the life of the balance.

A rate such as this is lower than many student loan and car loan rates, and can provide consumers savings of 3% or even 10% on long term debt each year. A fixed APR balance transfer is also a good option for individuals with high credit card debt considering a second mortgage to pay off their high interest credit cards.

For example, a 3.99% fixed APR may be lower than a second mortgage's interest rate and it wouldn't involve costly refinancing fees. More importantly, however, is the fact that a fixed APR balance transfer doesn't remove equity from your home. 0% balance transfer credit cards offer consumers great short term savings. In the long run, however, a fixed APR credit card provides a viable, interest saving option for those looking to reduce higher interest loans and credit card debt over a period of more than 12 to 15 months. 20000 balance to a 3.99% fixed APR credit card instead of getting a little greedy with 0% APR credit cards.

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Using this credit card balance transfer strategy, a however, this may makecredit card balance transfer sense and wind up saving you a lot of money credit card balance transfer as well. This special exception person credit card balance transfer could potentially open a new account that offers a balance transfer consumers to their credit card, many companies offer credit card balance transfer free balance transfers when the old one expires. Then transfer all of the balance to the new card to begin a new grace period . With that kind of credit card balance transfer interest, it's tough to consumer, this can be an excellent method of reducing credit card debt.

Credit card companies and banks offer an array of interest free introductory rates. These introductory offers differ from balance transfers and some even offer no interest purchases. But not everyone is given this opportunity, and you will only be considered if you have well to excellent credit scores. If your credit score looks bad and you apply for this kind of offer, chances are you will be denied.

A lot of interest free credit cards offer periods of time that will not charge you any fees, and may have an acceptable regular Annual Percentage Rate when its interest free period expires. Some can even go as far as offer absolutely no interest on purchases of sales and services, and some may have a balance transfer that will not charge you interest.