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0% Balance Transfers on Credit Cards

0% balance transfers on credit cards are a popular feature, especially as part of introductory rates. People use them when they get new credit cards, because their old ones have rates that are too high and are crippling them financially. Typically, new credit cards will have a lower rate than the one that you are paying, at least for the first six months, to lure you in and get you to use their card instead of the old one. They use 0% balance transfers as an incentive to get you to switch your old balance to their card at 0% apr for you. This is definitely a good deal for you, if it really is a low apr card.

The problem is that it can be too good a deal, and you can get into further and further debts, until you can't get any new credit cards with 0% balance transfers and low apr. As a result, you'll have to start paying a high rate for your credit card, instead of the low rate you've been paying, and also pay lots of money to transfer your balance. This happened to me once. I had lost my job while paying for my house, and was temping at a low end service industry job. Normally, it would have been enough to live on, but with my mortgage payments, I was racking up debt. Instead of dealing with it, I used low apr cards with 0% balance transfers to cover my high interest rate debt. This was a good idea for the first few months, but soon I began racking up debt faster than I would have thought possible.

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If you you want a professional freelance writer to write pages similar to this one which is titled: 0% Balance Transfers on Credit Cards for your magazine or journal, please send me an email.  Best regards, Debbie Magee

When my six month low apr offers from my credit cards ran out, I tried to get new 0% balance transfer credit cards to move my debt around, only to find out that no one was offering me them any more. They didn't even come in the mail! I was falling very quickly in to heavy debt. Fortunately, I found a new job in an ad agency, and quickly began to make an income similar to what I had been making before, but the damage had already been done. Six years later, I am only just emerging from debt that I accrued during that period. A 0% balance transfer credit card can be very useful, but it is no substitute for responsible spending! In the future, I definitely will be more careful.
 

DebbieMageeWriter.co.uk

Hello, I'm Debbie Magee, freelance writer, author of this page, titled: 0% Balance Transfers on Credit Cards

If you would like me to write similar articles for your magazine or journal, or if you have a question about my writing services, please send me an Email

All the information and advice that I give on my website, is drawn from my own personal experiences in life, or from members of my family, friends or work colleagues. Where I have been unable to advise from my own resources, I have consulted experts in their field or obtained it from journals or published works available in the public domain. All advice is given on a general basis to a wide and varied British audience. No responsibility can be accepted for inaccuracies or actions that you may take as a result of reading the advice.
I am unable to comment either by phone or email on any of the information contained on any of the pages on my website.

 I write about a wide and diverse range of topics including for example: Adverse Bad Credit Loans, Mortgages, Insurance, Internet Banking, Bankruptcy, Credit Cards, Buying Products, Making Money and Savings etc.

Thanks for taking the time to visit my website.

Regards, Debbie Magee