• Transferring Your Credit Card Balance To a Balance Transfer Credit Card
  

  Transferring your credit card balance is one option if you have a credit card debt and you are unable to pay it off. Your other options are to suffer the interest rate that is killing you, declare yourself bankrupt, or leave the country.

  However, before you decide on transferring your credit card debt to a new card with an introductory low interest rate, there are some points to consider. Find out which questions to ask your new credit card provider when transferring your credit card balance.

• How To Keep Your Credit Card Debt at 0% and never pay interest
  

  Finally, our guide to being a credit card tart! This guide will show you the benefits of jumping from one 0% balance transfer offer to the next, never ever paying a cent in interest!

• How Can Balance Transfers Work For You?
  

  Balance Transfer Credit Cards are a good option to consider when you are wanting to consolidate your credit cards and become debt free. Read our guide to find how credit balance transfers can work for you.

• Credit Card Finder® Email Feature: Balance Transfers Answered
  

  Balance transfers can be a god send for credit card balance reduction, or another pothole along the road to clearing your credit card debt.

  
  

  Ultimately, balance transfers are superb if used correctly. There are a number of subtle nuances and misunderstandings associated with them, and we receive emails about them all the time. In this feature we answer a user’s email who has managed to asked most of the key questions regarding balance transfers.

• Combine Credit Cards with a Balance Transfer
  

  By doing a balance transfer, you can combine your outstanding credit card balances in to one card on a special introductory offer that can allow you to pay as little as 0% interest for 6 months. Read our guide to better understand how to combine your credit cards with a balance transfer.

• How to Calculate your Balance Transfer Savings
  

  Credit card balance transfers can be a daunting concept, especially when you have no idea how much you can actually save.

  
  

  Find out how to use our free balance transfer calculator in order to choose and compare balance transfer offers and cut your interest repayments.

• New: Australian Credit Card Balance Transfer E-Book Released
  

  Credit Card Finder® has released a new, comprehensive and free e-book titled ‘The Ultimate Guide to Balance Transfers’.

  
  

  The book is designed to educate Australians on how to make the most of balance transfers, catering from the credit card beginner to the advanced users.

• Long Term Balance Transfer Approval Requirements
  

  Some say that long term balance transfer offers sound too good to be true. The concept of repaying your credit card debt at 3-8% for as long as you wish is without a doubt attractive.
  -
  Simply put, the offer is valid – however, anything worth having in life doesn’t come easy. You’re going to have to meet stringent requirements for some permanent balance transfer cards.
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  Click here to find out these requirements, along with arguably the best long term balance transfer offer – regardless of your financial situation.

• Stoozing: Create Free Money with Credit Cards
  

  Sounds too good to be true? Well, while it won’t lead you to retire by next year, it is certainly a plausible, and above all free method of making money from credit cards.
  -
  All you’ll need is the dedication and discipline to manage your credit and investments necessary to make this work.
  And our guide will lead you step by step.

• Is it Possible to do a 2nd Balance Transfer?
  

  Straight up, it is possible to do a second balance transfer. However, there are a couple of associated consequences that can possibly arise out of second, or continuous balance transfers.

  The Affect on your Credit Score

  Applying for more credit, and increasing your ‘debt:credit ratio’ are two possible detriments of continuous balance transfers. To find out more about your debt to credit ratio, see here.

• Best Balance Transfer Rates – 0% Interest Credit Cards
  

  Smart shopping for 0% annual percentage rate (APR) credit cards can save consumers hundreds of dollars in interest charges. Many consumers do not think to shop around for credit cards. However, with half of Australian grocery store purchases being made with credit cards, the decision as to which card the consumer uses can have an impact on how much is paid in interest. One way you can save money in interest charges is to shop around for a 0% APR credit card to transfer existing balances to. The concept of shopping for the best interest rates is not new for purchases such as homes and cars, but so few consumers stop to think about shopping around for the best credit card deal.

  Saving Money with 0% APR Cards

  It is possible for you to save hundreds of dollars a year by transferring balances to a 0% APR credit card. Here is how it works: A consumer applies for a new credit card with a special introductory interest rate of 0% APR for balance transfers. After gaining approval, the consumer transfers the balance of his or her credit cards to the new card.

Popular Credit Card Offers

			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Platinum Credit Card	A unique platinum credit card offer with a low balance transfer and purchases rate.	0% p.a. for 6 months (reverts to 19.39% p.a.)	0% for 6 months	$0 annual fee for the first year ($0 thereafter)	20.99%	E-mail me this offer
	HSBC Credit Card	A 0% balance transfer, $0 annual fee for life credit card.	17.99% p.a.	0% for 8 months with 2% balance transfer fee	$0	21.99%	E-mail me this offer
	Westpac Low Rate Card	A low rate on purchases, balance transfer and a $0 annual fee.	1.9% p.a. for 9 months (reverts to 13.49% p.a.)	3.99% for 6 months	$45 annual fee for the first year ($0 thereafter)	21.49%	E-mail me this offer
	Citibank Rewards Credit Card - Platinum Card	An extended 15 month balance transfer offer with 20,000 bonus reward points.	20.99% p.a.	0.9% for 15 months	$199	21.74%	E-mail me this offer
	Bankwest Breeze MasterCard	Low ongoing purchase rate from Bankwest, with an introductory purchase rate credit card.	0% p.a. for 6 months (reverts to 10.99% p.a.)	4.99% for 9 months	$49	21.99%	E-mail me this offer