Credit Advice

I recommend paying your card in full when the bill comes, if you do that you will never owe interest no matter what the interest rate is. However, if you're trying to transfer debt to an interest free card so you can attack principle for a time, it MIGHT be a good deal. Watch out for the hike though, after 1 year, they'll raise the interest rate, make sure you know what it is, that it's not any more than what you're paying now.

sometimes they'll give you a "Deal" (0% int.) for a year and then slam you (20%, 25%, 30%) which if you just stayed where you are (10%) over the long run you'll probably be paying less than if you go snag that "Deal" double check the math. There are financial calculators online you can use.

Good advise MissElphe. Very True.   Thanks for sharing

 Balance Transfers helped me get out of credit card debt. It's true that you need to pay attention to when the 0% expires. Take adv. and try to pay as much as you can in that year. Now I still use credit cards but I make sure I pay them at the end of the month or bi-weekly and I take adv of the rewards that Discover gives me. I'm finally making some money from credit cards instead of paying them interest. Of course, always being very careful not to spend more than what I can pay at the end of the month.