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Additional Credit Card Programs:
Tips For Credit Card Surfers
Author: Robert Armstrong
Article:
Moving money from credit card to credit card to take advantage
of interest free balance transfers and effectively borrowing
money for free. It's even possible to make money by borrowing
money, transferring the debt to an interest free card and
investing the cash in a high interest savings account until the
interest free period expires.
However, if you plan on being a serial card surfer, there are a
number of things you need to do.
Firstly. Make sure you read the terms and conditions of the card
to which you're transferring your balance and are aware of
exactly what you're signing up for. Some cards, for example
insist that you spend a certain amount per month on the card in
order to qualify for the interest free balance transfer.
Secondly. Never, never, never spend any money on the card to
which you transfer a balance. This is because, your monthly
payment is always put towards paying off the transferred
balance. This means that you will pay interest on everything you
spend, even if you pay off as much as you spend every month.
Finally, make sure you know and write down the date that the
balance transfer period ends. Better still, set an alarm on your
mobile phone or PDA for seven working days before the expiry
date. That will give you enough time to pay off the balance
before the interest free period ends.
Follow these simple guidelines and you can surf from credit card
to credit card and never pay any interest on transferred
balances.
About the author:
Robert Armstrong is a contributor to Consumer IQ - a site
dedicated to publishing the UK's best High Street and online
deals.
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