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Copyright 2006 Edward Vegliante
Have you read your credit card statement lately? Do you
know what your annual percentage rate is? How about your
annual fee? You may be surprised to learn that your current
card is not the bargain you once thought it was. If you are
tired of paying fees and big monthly payments then shopping
for a new credit card is a must. Some balance transfer
cards are better than others; here are some things for you
to look for with your new card:
Low Introductory Rate – If you are paying a high interest
rate for your current card you can save yourself plenty of
money by shopping for a card with a low introductory rate.
Yes, there are still many balance transfer cards available
that will give to you a rate as low as 0% for twelve
months. By obtaining one of these cards you could save
yourself hundreds of dollars per month and pay off your
outstanding balance faster.
Transfer Fees – Balance transfer credit cards may charge
you a small fee to make a transfer. Still, there are some
cards that charge no fee on the initial balance transfer
upon applying. It may be to your advantage to pay the
transfer fee especially if you are going from a high annual
percentage rate card to a low percentage rate card. Crunch
some numbers to find out which card works best for you.
Save on Annual Fees – To secure your business, many balance
transfer credit card issuers such as Chase and Citibank
charge no annual fee. This can be a nice alternative for
you especially if you have been paying $35, $50, $85, or
more for your current card annually.
Get Rewards – A nice option for many consumers are those
balance transfer credit cards that reward you for using
that card. Depending on the plan, you can quickly
accumulate airline miles, hotel stay credits, take a
cruise, rent a car, accumulate points toward receiving free
gifts, and more. Some cards, such as the Citi Diamond
Preferred Rewards Card, will even give to you bonus points
upon your first purchase of any amount!
Get Rebates – Like a typical reward card certain balance
transfer credit cards will give to you cash rebates toward
the purchase of a new or used car or toward repairs on your
current car. The Citi Drivers Edge Platinum Select
MasterCard is an example of one such card making this offer.
Perhaps the best thing for you today is that choosing a new
credit card is to your advantage. Never before have terms,
fees, and benefits been this good. There is no telling how
long any offer will last, but if you act now you can obtain
a balance transfer card that works best for you. To find
your next card, searching online makes comparing all of the
best credit card offers a breeze.
Ed Vegliante runs the website http://www.Credit-Card-Surplus.com , a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers including Balance Transfer Credit Cards
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