Most issuers charge a balance transfer fee of around 3%, and some also charge an annual fee.Before you choose a card, calculate whether the interest you save over time will wipe out the cost of the fee.
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Debt consolidation is a strategy to roll multiple old debts into a single new one.
Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.
Most people carry credit card debt at one or another. At that point, it’s difficult to make your payments on time and full.
Paying down your balance provides the easiest route to financial (and emotional) freedom.
You’ll need a good to excellent credit score — above 690 — to qualify for most cards.
Make a budget to pay off your debt by the end of the introductory period, because any remaining balance after that time will be subject to a regular credit card interest rate.
Angela Ruth is a social media and marketing manager.
She works for Due.com, a company that helps with payment processing.
Ruth says she worked full-time throughout college and proudly graduated without student loan debt.
Ruth's statement reflects an unfortunate financial reality.
How it works is you would take out a new loan or line of credit and use that to pay off your existing debts.