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Authors
Curtis Arnold, Editor-in-Chief
Joe Taylor Jr., Reporter
Amber Stubbs, Managing Editor
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Average Rating4.5Answer By Geoff Williams : First of all, I feel for you. I did something similar when I was 23 with one of my relatives, and I was probably in my mid-30s when the credit card was finally paid off. As you've clearly found out the hard way, using your own credit card to lend money to anyone, including your [...] Read MoreComments |This question is about: Credit Scores / Reports | Build / Rebuild Credit | Credit Card Debt Help | Balance Transfers
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Average RatingAnswer By Joe Taylor Jr. : Q: I have asked my bank for a lower APR but was denied. How can I find another credit card to get rid of my high interest rate without going through a debt agency? A: You have a couple of options here, depending on your comfort level with your current bank. The financial crisis rocked the routines [...] Read MoreComments |This question is about: Chase Credit Cards | Balance Transfers | Discover Card Credit Cards | Citibank Credit Cards
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Average RatingAnswer By Joe Taylor Jr. : Q: I need a card with a low interest rate to make a balance transfer. Do you have any suggestions? A: Until recently, it seemed like balance transfer credit cards would become extinct. Major banks spent a few years "recapitalizing," or building their cash reserves to government-sanctioned levels. With enough emergency funding in their own coffers, [...] Read MoreComments |This question is about: Balance Transfers | Chase Credit Cards | Citibank Credit Cards | Discover Card Credit Cards
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Average RatingAnswer By Joe Taylor Jr. : If I read between the lines of your question, it sounds like you're looking to bounce a balance from one of your current credit cards with a high APR to something a little less expensive. However, if you're like many Americans, and your credit score shows you've maxed out your credit, you're probably having trouble [...] Read MoreComments |
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Average RatingAnswer By Geoff Williams : Great question. Actually, if you're looking into Citibank cards, four months is the window of time you have to make any balance transfers to the new account if you want to take advantage of Citi's zero-percent introductory APR. The actual transfer doesn't take anywhere near that long--two weeks for most credit cards. Whatever credit card you [...] Read MoreComments |This question is about: Citibank Credit Cards | Credit Card Comparison | Discover Card Credit Cards | Balance Transfers
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Average RatingAnswer By Joe Taylor Jr. : I'm glad you asked both halves of a question that most consumers don't fully consider. Now that the credit card industry has stabilized, we're starting to see some generous zero-percent annual percentage rate (APR) balance transfer offers again, ranging from three months to nearly two years. However, many banks now impose a balance transfer fee of [...] Read More
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Average RatingAnswer By Beverly Blair Harzog : For balance transfers, there are currently two credit cards that really stand out. In fact, these cards made our Editor's Choice Awards for Best Low-Introductory-Rate Credit Cards for 2010. The limited-time offer expired. Take a look here for some offers that may interest you. Read More
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Average RatingAnswer By Beverly Blair Harzog : Any credit card has the potential to improve your credit score if you pay your bills on time and don't go over your limit. Your goal must be to pay off your balance during the term of the balance transfer offer while you don't have to worry about accruing interest. Don't assume that you've been approved [...] Read More
