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How Could a Balance Transfer Help Me Save?

12/30/22


Transferring some of your credit card debt to a card with a lower interest rate can help you move toward a debt-free life. Your biggest push for making a balance transfer is to accrue less interest on the debts you’re transferring.

If you’re stuck with a high-APR credit card, you can easily be paying upward of $80 a month, just in interest! Making a balance transfer will allow you to take a real bite out of your debt and make progress toward getting rid of it completely. You’ll be saving money and working toward an important goal at the same time.

The more monthly bills you need to pay, the greater the chance of missing a payment. A balance transfer may also allow you to consolidate the balances of several different cards into one. This way, the number of monthly payments will go down, and it will be that much easier to keep on top of payments.

Too often, people get trapped in a cycle of debt. When they feel like they’re in over their heads, they continue swiping and spending as they please, figuring that another few hundred dollars won’t make a difference to the huge mountain of debt.

Many people find that taking this significant step toward paying down debt motivates them to be more careful with spending habits. After all, you aren’t trying to get rid of your debt just so you can rack up another bill.

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