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.