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How To Get 0 Balance Transfer Credit Cards

May 6, 2008
If you are in credit card debt and suffering from high monthly interest charges, zero interest credit cards are an easily accessible solution. Many credit card providers offer 0 balance transfer credit cards to encourage people to transfer their credit card balances. This is a popular and successful marketing technique which you can take advantage of. These credit cards offer an interest free period of usually between three to fifteen months. However, once this period is over you will have to pay normal interest charges. Thus, for the cost of the interest free period, these lenders have purchased a customer. That is, if you play the game their way. You do not, however, have to do this.

There is nothing to stop you playing the credit card transfer game your own way. The goal of your credit card provider is to profit from your indebtedness. Your goal is to keep as much of your own money as possible and if you're smart, to become debt free and financially strong. You can use 0 balance transfer credit cards to do just that.

The first step to freedom from high credit card costs is to find an interest free offer for credit card balance transfers. Choose a credit card with the lowest balance transfer fees and the longest interest free period. Twelve months or more is best. As you near the end of this twelve month period, start to compare other 0 balance transfer credit cards with low upfront costs and decent introductory periods. Once you decide on the best offer, apply to transfer the balance of your current card to the new one. In this way, you will be able to continue to benefit from a zero interest rate.

This simple idea can save you thousands of dollars in interest charges. However, even though the idea is simple it can be difficult to wade through all the offers in the marketplace and go through the application processes. The easiest and quickest way to implement this financial strategy is to take advantage of an established online credit card transfer service. A professional service such as this will already have done the initial research and selection for you so that you only have to consider a smaller range of the best 0 balance transfer credit cards. These services will also generally provide an online application process to make things even easier.

However, the best of these professional sites will also offer a reminder service so that you don't forget that your interest free period is coming to an end. An alert will be sent to give you enough time to transfer your balance to another zero interest card. This service will support your decision to continue to move your balance to a new credit card so that you never have to pay interest. There is no doubt that the busyness of life can easily get in the way, causing us to forget our good intentions. A reminder service can give you a prod to act quickly in your own best financial self interest.

Introductory, interest free credit cards offer a user friendly way out of the credit card trap. As long as you remember to transfer your balance to another of the many available 0 balance transfer credit cards before the introductory period expires, you will be able to gain your financial equilibrium easily.
About the Author
Gordon Goodfellow's site shows you how to get 0 balance transfer credit cards in addition to offering 0 APR cards which remain interest-free for years. His associate site offers credit card transfers in the UK.
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