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Using the credit card balance transfer feature Finance Articles | August 18, 2005
Credit card balance transfer is an important feature for many credit card users. It allows them to transfer their debts from one credit card to another.


This is significant if their new card has a lower interest rate than their previous one.


Credit card balance transfer feature can be a great way of consolidating your credit card debt and finding a way to dig yourself out of your debt burden. This option is in high demand and many credit card issuers include their balance transfer services upfront in promotion material. A good credit card balance transfer option can help them gain customers from rival credit card companies.


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If your old credit card balances are accumulating a high interest rate, it might be time to get a new one with a credit card balance transfer option. If you have improved your credit ratings and your current credit card interest rate has not dropped, you can apply for a lower interest card than transfer your balance to it.


Instead of having to worry about multiple balances you will only have to pay attention to one credit card balance and make one convenient payment instead of multiple payments. Thus you can better plan your budget and decide how to reduce your credit card debt. The APR can vary greatly from one credit card to the next. Consider having all your high interest credit cards and department store card balances on one low interest card. You can end up saving a substantial amount of money over time. In conclusion proper use of the credit card balance transfer feature can be useful and convenient to some and to others a vital way to get out of credit card debt.

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