the balance transfer game

We love our credit cards. We take advantage of the offers sent to us, and anytime we carry a balance on our cards, we make sure that we’re not paying interest on it. How? Well, if you do a balance transfer to any of the 0% APR credit cards, you’ll be able to pay down your balance without paying interest. Now, the 0% is usually only for a short time, say 6 months. At the end of those 6 months, apply for a new 0% card and transfer the balance on the first card to your new car. By switching cards like this, you can basically give yourself a free loan. You have to be disciplined enough to make sure you won’t have any late payments (or you could lose your 0% rate!) and you need to make sure you either pay off the card or switch to a new 0% card before the promo period is over. If you’re not getting offers for these cards in the mail, you can find the best credit card offers for your needs online. Search by rate, terms, or even by the bank!

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