A plastic card bearing an account number assigned to a cardholder with a credit limit that can be used to purchase goods and services and to obtain cash disbursements on credit, for which a cardholder is subsequently billed by an issuer for repayment of the credit extended at once or on an installment basis.
 

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Got Credit Card Debt? Try Transferring Your Balance
By Andrew

If you currently hold debts on one or more credit cards and you’re having trouble paying them off, switching to a new card with a low balance transfer rate could save you a lot of money. By stopping or lowering the interest that you're paying on your debt, you’ll prevent your debt from growing and will therefore be able to make repayments faster.

In order to attract new customers, many companies offer a special low introductory rate for balance transfers. This gives you the chance to transfer your existing debt, for which you may be paying up to 18% interest, to a new with a low interest rate, or even an interest free rate for a fixed period of time.

When looking for a new to transfer your balance to, you should try to find the lowest possible interest rate for the longest period of time. It’s worth shopping around for good deals, and new offers are constantly becoming available - so it’s possible to find a 0% interest rate on balance transfers for a period of up to 13 months.

If you have a large amount of debt that will take more than a year to clear, you may have to switch your balance each time your interest free period expires. Though this will mean shopping around and filling out new paper work on a regular basis, it will save you money. However, there are a growing number

   

Additional Resources Credit Card Counseling - Is There Any Way That This Works? By Mike When you are in trouble with overwhelming credit card bills, credit card counseling is a great option for you in finding out what you can do about it exactly. Read more...

Additional Resources Helping Children's Charities With Your Credit Card By Joseph People donate to charity in a number of ways. They give old clothes, bake and sell cakes, or contribute their time. Now there's an even easier way to support your favourite charity by using your Read more...

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