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If you are like me, you receive multiple 0% APR credit card offers on a daily basis.
This website has information on consolidate unsecured debt Up until about a year ago, I would
just throw them away.
This website has information on consolidate unsecured debt Then I wised up and saw an
opportunity. Not only could I consolidate my current credit cards, I could eliminate
unnecessary interest expenses. I first transferred all outstanding balances from my
high-interest credit cards (which were all of them) to my new 0% card. Now I was only making
one payment a month instead of three. I then determined the average payment I would have to
make each month to have it paid off at the end of the promotional period. That's the payment I
made each month and it saved me a great deal of money in interest charges. At the end of the
promotional period, my debt was paid off and I hadn't spent a dime in interest! The other
option would have been to transfer the balance once again to a NEW 0% card at the end of the
promotional period, further lowering the initial monthly payment. I do have a few suggestions
before jumping in and signing up for any 0% card. Compare all that are out there! Read the
terms carefully. Is there a balance transfer fee, and if so, how much is it? Does the 0% apply
to balance transfers only or to purchases as well? How long is the 0% promotional period? Know
the terms well or this 0% card could cost you more than that 18% card you're already carrying
in your wallet. There are a great deal of cards out there - pick the one that is the most
beneficial to your needs. Best of luck!