0 Balance Transfer Credit Card for 18 Months

There are some offers on 0 balance transfer credit card. Some of them are credit cards with long period and others are short period. The long period is 15 months and 18 months. Short period is less than that, like 6 months or 12 months.

The offer of 0 balance transfer is very important for you who have substantial balance. With credit card 0 balance transfer, you do not bear interest for the payment of the balance of your bill. You just pay the bills after the outstanding principal debt you move to a new card.

Without paying interest, you will save a lot of money. For example you have a balance of $ 2,000 at 18% per year. With new card, you can save $ 180.

You can use that money for other purposes such as increasing the monthly bill payments so you can pay off the entire balance of debt faster.

 Some 0 Balance Transfer Credit Card for 18 Months

A 0 balance transfer credit card is just for you with a substantial balance. For you who always pay the bills in full every month do not need this card. It is only for those who have a large credit debt.

If your balance is very large, you need to choose a credit card with a long period, ie 15 months or 18 months. With a long period, you will have a great opportunity to pay off your entire balance.

Many credit cards offer a long period. For a period of 18 months, some Citi cards to choose from such as Citi Simplicity, Citi Dividend or Discover More. But the cards with the period of 18 months do not provide rewards like cash back or bonus. This card is provided for those who want to focus on paying off the balance.

Meanwhile, the credit card for 15 months period to provide some rewards, such as the $ 100 cash back, 5% cash back for shopping, etc. But the period is shorter. Which one you choose, you need to adjust to your needs and your financial condition.

If your balance is very substantial, select the period of 18 months. You should only use this card to pay off debt, not for shopping. Therefore, the expenditure will only add new debt. It will be the burden of payment of your bill.

Of course the more important to you is to always pay bills on time. Never too late, although only one time. The result will be very bad for you. You should use automatic bill pay service. Bank will cut your savings to pay the bills are due. You do not have to worry about paying bills late.

How to Get the Best Balance Transfer Credit Card

There are two categories for the best balance transfer credit card. The first is seen from a long period of credit card. The second is seen from the rewards that you can get. Which credit card do you choose, it depends on your needs and your financial condition.

The best balance transfer credit card is important for those who always carry balances from month to month in large amount. By this credit card, you do not have to pay interest. You only pay the principal outstanding bills, so you can save a lots of money. It can be hundreds or even thousands of dollars for one year.

But to choose the best balance transfer credit card for you, you need to research and compare them. The goal is that you really can get the maximum benefits.

 Choose Credit Card for 15 Months or 18 Months

If you carry a balance is very large, of course you need a credit card with a long period. For example, a card for 15 months or 18 months. With a long period, you can have a great chance to pay off your debt.

But you should make a debt payment plan from month to month. For example, how many times you will pay the bills, How much money will you pay each month, and so on.

The debt payment plan should you run so well that you aim to pay off the entire debt could be achieved. This is important because it determines your financial future.

If your balance is lower, you can choose a card for 15 months or shorter period than that. Why? Credit cards with shorter periods usually offer rewards like cash back or bonus. Meanwhile, the credit card with  long period as 18 months don't provides the reward.

Thus, the shorter period of credit cards is more suitable for you with a balance that is not too large. The important thing is you should make sure to pay off the entire balance before the free balance periode expired. Because after the period of 0 interest on balance transfers is over, you will be charged higher interest.

Best Cash Back Credit Card to Collect Extra Money

There are credit card holders can get the most benefits from credit card cash back or reward. There are even people who retired early because of the income earned from collecting extra money from the cash back and reward credit cards.

 

Is this really interesting? Yes, this is very interesting to put into practice. Many people got success using the best reward credit cards to make extra money. The important thing is you need to choose the best reward credit card and use the card properly. The main objective is the collection of extra money for the future.

 How to Choose the Best Cash Back Credit Card

How to choose the best reward credit cards? Of course, the choice should be tailored to your needs. For example you have never or rarely make the flight. But you choose this card because airlines want to get the reward points or miles. This is a waste act.

First: amount of either cash or rewards are considerable. Many credit cards offer cash back and reward big enough. For example cash back sign up. There are credit cards offering cash back $100 when you spend $500. Or 30,000 points of best airline credit card that can be redeemed for $5,000.

Second: easy redemption. If the reward offered in the form of cash but not the points, then it should be easy penguangnnya. Straightforward so that gifts can be enjoyed by customers.

Third: no expiration date. Cash back or reward can be taken at any time. There is no expiration. This is an excellent reward.

Fourth: credit statement. This reward also includes very good. These rewards are generally easy to be cashed so many people love this reward offer.

Fifth: interest rate is not high. If the credit card offers substantial rewards but has high interest, it is less meaningful gift. The money you earn from some rewards, then you use to pay the rewards. You shoud choose the low credit card interest rate.