Comparing offers on balance transfer credit cards

Tuesday, July 19th, 2011

With an increasing number of credit card lenders rolling out irresistible balance transfer offers, a large number of consumers are making the most of it by applying for them. However, most of them ignore the fact that the fine print varies from one company to the other. This ignorance leads to long term financial concerns, annulling the purpose of these offers. To make the most of the offers doing rounds in the market, it is imperative to compare the offers on credit cards offering balance transfer options and then making your choice.

Applying for multiple cards at the same time has an impact on the credit score. Before customers set out applying for balance transfer cards, they have to do their homework. An understanding of their current outstanding balances on their cards and their current credit score can help them in short listing the cards they are eligible for.

Most of the financial experts are of the opinion the customers must have a clarity on the current interest rates they are paying and the interest rates on the balance transfer credit cards. Cards that offer zero percent interest for just a period of 12 months and then increase it to 22.9 percent post the offer period will not work in the benefit of consumers if they are unable to clear off their dues within the year’s time. Making a list of the best balance transfer cards in the market and short listing them based on the fees charges and the duration of the promotional period will yield the best results.

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