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Balance Transfer Credit Cards,Credit Cards

Factors to determine the best balance transfer card

Taking a stand on which best balance transfer card is the right choice for you can seem like a daunting task. Being up to date and knowledgeable about the best balance transfer process can help you sail through this issue hassle and problem free. Generally, choosing the best balance transfer card boils down to the various factors listed below:

The balance transfer fee : A fee is charged by most cards to move your balance from another card. This is the typical cost that an individual incurs when transferring their balance to a new card. The transfer charge is normally anywhere between 3% to 5%. The fee can be tacked on to your balance by the bank, rather than making you pay the transfer fee upfront. But keep in mind that you will have to pay the transfer fee charged by the bank. This fee could add an additional amount to your already existing debt depending on the size of the balance that you are transferring and the interest rate that you are currently paying for it. This could actually prove to be enough to wipe out the interest savings from the 0% APR period. Majority of the cards available have a transfer fee attached to them, but there are a few of them who don’t.

The promotional APR : The promotional 0% APR is the appeal and pulling factor of all best balance transfer cards. The longer the promotional period the better it is for you, as you will have enough time to repay your debt interest-free. But then always keep in mind that the APR is just that – promotional. The minute your promotional time is up, your interest rates will hit the roof. Some cards even charge you an interest rate of around 20%. Hence, it is wise to make sure when your card’s promotional 0% APR ends before jumping the gun.

It is up to you to decide whether your overall savings will be worth the transfer fee. Be wise and make the right choice.

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