To improve your CUR, work on paying down your existing balances before doing anything else. If you already have a good credit score but are still struggling to pay off credit card debt, consider getting a balance transfer credit card. Balance transfer cards offer temporary interest-free periods...
Review Breakdown: Cards for Good Credit If you're looking for a new credit card and have a good credit history, you'll have no problem finding a great offer to fit your needs. Below we've summarized all the top offers for applicants with good credit, along with the best features of ...
Balance transfers are a money-management strategy that can lead to big savings. Learn about the benefits and negatives of a balance transfer with our guide.
Personally, I only go for it if the card offers 0% on balance transfers for at least 9 months. More on why later. 2) Applying:When you apply for the card, you can very often state how much you’d like to transfer. This is the same as asking you what you’d like your credit li...
Your credit utilization ratio is the amount of credit you've used compared with the amount of credit you have available. You want to pay off your balances in full and by the due date every month. Carrying a balance on credit cards leads to debt, so don't fall into that trap. But ...
Higher APRs tend to come with credit cards associated withperks like points, miles and cash back. Bruce Garner of Card Curator explains: “These cards are promoted widely everywhere. Lower APRs tend to be found where there are fewer perks, such as 0% balance transfers and at credit unions....
One of the biggest benefits of having good credit is saving money over time. Since your credit score influences how much you pay to borrow money from lenders, people with poor or fair credit typically pay much more for car loans, credit cards, mortgages and other forms of borrowing. For ex...
This Discover card can help you pay off an existing balance with 15 months of 0% APR, and it has a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. This card also comes without an annual fee, and with well-rated customer service. When to ...
Balance transfer cards: Those with good credit may qualify for a 0% APR balance transfer credit card promotion to consolidate debt interest-free for 12-18 months while aggressively repaying balances. Personal loans or home equity borrowing: Qualified borrowers could explore personal loans or home ...
With balance transfer credit cards, you’ll get 0% APR for anywhere from 12 – 21 months. If you transfer several or all of your high-interest balances over – then use your introductory period to absolutely destroy your debts – you’ll save money on interest and become debt-free at a...