balance transfer

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A balance transfer generally involves transferring a balance from one credit card to another. Usually, the credit card the balance is being transferred to, carries a lower interest rate.

Often, for promotional reasons, credit card companies will offer to transfer a balance from a competing company's credit card and allow you to carry the balance interest free as long as it is paid back within a specified time frame, usually one year.

Balance transfers may also involve money or credit transfers to and from checking accounts, savings accounts and trading accounts.

In some cases, balance transfers will be subject to transfer fees.

You'll find bloggers talking about balance transfers in articles such as Best Credit Cards For Balance Transfers and Consumers Guide To Credit Cards.

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  • Getting Ahead With Finances Means Making Good Decisions and Using a Calculator


    Finance Site — Authority Authority: 89
    Every person wants to earn more money, spend less, and start saving for retirement years. If you want to improve your financial situation, you have to make better financial decisions. These are two steps that you can do to improve your financial situation. First, you have to know your financial position right now and ...
    4 days ago

  • Read The Fine Print When Applying For Balance Transfer Credit Cards


    Money.Green.Life. — Authority Authority: 451
    Balance transfer cards can be godsend for those who have outstanding credit card debt, especially if the fee to transfer the balance is waived and the interest on the transferred balance is 0%. There are many good promotions out there that you can take advantage of today. However, along with everything else in life, ...
    1 week ago

  • How Balance Transfer Roulette Almost Landed Me in the Crazy House


    Budgeting in the Fun Stuff — Authority Authority: 108
    How Balance Transfer Roulette Almost Landed Me in the Crazy House is a post from: Budgeting In the Fun Stuff A re-habbed spendaholic,  The Happy Homeowner  began blogging as a way to stay accountable and to chronicle her quest for financial freedom. From paying off over $14,000 in credit card debt in one ...
    1 week ago

  • The Best Balance Transfer Credit Card in America


    Credit.com News and Advice — Authority Authority: 494
    Welcome to the fourth installment of The Best Credit Cards in America. To start the year off on a good note, this is a special “get out of credit card debt” edition. I decided to focus on balance transfers because credit card debt is such a huge problem in the U.S., especially right after the holidays. A very ...
    1 week ago

  • January 2012 – Report on 0% Balance Transfer Credit Cards


    Smart Balance Transfers — Authority Authority: 451
    Now that New Year’s resolutions have been made and holiday credit card bills have started to arrive, many consumers will be searching for ways to save money in 2012. Taking advantage of 0% balance transfer credit card offers is one of the easiest and most effective ways to get a handle on credit card debt [...]
    1 week ago

  • Discover More Credit Card Review – 0% APR and No Balance Transfer Fee


    Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois — Authority Authority: 513
    A re you currently struggling to keep up with your credit card minimum payments? Are you paying interest in the 14.99% to 24.99% (or higher) range? You need to pay attention. Did you know you can get a 0% loan for 12 months? Imagine what dropping your interest rate down to 0% could do for your financial ...
    1 week ago

  • No Balance Transfer Fee Offers Arent Always a Bargain


    SavvySugar — Authority Authority: 618
    Were thrilled to present this smart Business Insider story here on Savvy! Credit card companies may be targeting consumers with great credit with a host of new perks recently, but CreditCards.com warns against falling for 0% balance transfer fee offers. In a study looking at offers from 37 lenders, the site ...
    1 week ago

  • WARNING: No Balance Transfer Fee Offers Aren’t Always A Bargain


    InvestmentWatch: Emerging markets, Real Estate, Personal finance, Business management, Politics, Economics — Authority Authority: 148
    From Your Money by Mandi Woodruff Credit card companies may be targeting consumers with great credit with a host of new perks recently, but CreditCards.com warns against falling for 0% balance transfer fee offers. In a study looking at offers from 37 lenders, the site found offers to waive these fees for as ...
    1 week ago

  • Payoff Your Mortgage with a Credit Card


    My Dollar Plan — Authority Authority: 579
    I love extreme, creative, personal finance. So when a reader, Joe, told me about his story on paying off not one, but two mortgages with credit cards at 0% , I couldn’t wait to share his story with you! Joe, who is 37 years old and married, says: I’ve used zero-fee, zero percent balance transfer offers to pay ...
    2 weeks ago

  • Should You Get a Low APR Credit Card?


    Credit.com News and Advice — Authority Authority: 494
    Every consumer’s financial situation is unique, but when seeking out a new credit card, many may be faced with the same questions. Many credit card offers are very generous these days, and it may leave consumers wondering whether they’re better off accepting a card that gives them a low ongoing interest ...
    2 weeks ago

  • 6 Credit Card Services You Don’t (Usually) Need


    Wise Bread — Authority Authority: 617
    Everyone who has opened up a credit card in the last five years has been pitched on various supplementary “services” from the company in question. The offers sound enticing and even logical at times, but are they really justified from a hard dollars-and-cents standpoint? Everyone’s financial situation is ...
    2 weeks ago

  • $150 Cash Back From Discover


    Credit Card News — Authority Authority: 107
    There is a new offer from Discover More Card for first time customers, and the benefits of this mean that this is one credit card that deserves its name.
    2 weeks ago

  • Do You know How Cash Back Credit Cards Work?


    FINANCE-DEBT RELIEF — Authority Authority: 120
    The recognition of money back credit cards hasn’t waned over the years. In fact, these days, more and more individuals still prefer a money back credit card over other reward credit cards programs. Do you own a cash back card yourself? Or are you currently still thinking about applying your personal cash back card? ...
    2 weeks ago

  • Everything you want to know about credit cards!


    X M L Insider — Authority Authority: 125
    Every thing you would like to know about credit cards. That ought to say it all. When you kind the web site name on your address bar, a easy yet neat looking informative homepage unravels before you. This web site is ideal for the dynamic generation of the 22nd Century who can deposit money in their respective ...
    2 weeks ago

  • How To Take Advantage Of Zero Percent Balance Transfer Credit Cards


    Money.Green.Life. — Authority Authority: 451
    Zero percent balance transfer credit cards can be a good way to save money. If you have a big balance on any of your current credit cards, transferring the balance over to a zero percent credit, the savings from not having to pay high interest can really add up. If you have $5,000 balance with 20% APR on your credit ...
    2 weeks ago

  • Nationwide Select credit card extended


    Daily Finance UK — Authority Authority: 136
    Filed under: Credit Cards Fiona Hanson/PA Wire Nationwides market-leading credit card is now being extended to new customers. From 17 January they will be able to take out the card and benefit from two introductory offers as well as the very popular commission-free foreign purchases. The benefits The ...
    2 weeks ago

  • How to Extract Money From a Balance Transfer


    My Dollar Plan — Authority Authority: 579
    After Discover More rolled out the recent no fee 0% balance transfer a reader, Mark, and I had a great discussion about using the offer to extract money. Mark is planning to use the balance transfer for arbitrage (he’s considering purchasing CDs or investing in a stable bond fund) but wanted to know how to ...
    2 weeks ago

  • Q4 2011 Credit Card Landscape Report


    CardHub.com — Authority Authority: 94
    Posted by: Kimberly Cole Key Findings: Regular APRs rose across the board relative to Q4 2010 – Relative increases between 3.5% and 9.5% were observed among credit cards for excellent, good, and fair credit as well as secured credit cards, whereas interest rates for student and business credit cards rose less ...
    3 weeks ago

  • Top 10 Debit and Credit Card Stories of 2011


    Woman Tribune — Authority Authority: 109
    This past year was a very eventful one in the debit and credit card industry. Here is a review of the top ten stories of 2011: Debit Card Interchange Fee The government regulation of the debit card interchange fee was the most controversial issue of the year. The Durbin Amendment to the Dodd-Frank financial overhaul ...
    4 weeks ago

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