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| Articles about
Balance Transfers
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to more articles at bottom of page |
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My
spouse doesn't agree!
 Scott,
I have debts that have different interest rates: 9 percent, 10
percent, 28 percent and 29 percent. I want to consolidate my debt at
16 percent interest rate. But my spouse doesn't agree! William
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Cutting
Up Credit Cards
 Hello,My
wife and I have a lot of credit cards. WE would like to cut them up
so we don't use them. Should we notify the company's first to cancel
them? We are having trouble paying them. Thanks for your help.
Richie
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Applying
for credit cards
 Scott,
How often can you apply for credit cards? Does it look bad on your
credit report if you apply for many credit cards? My husband and I
have 5 credit cards. Our credit rating is good, so most of our
interest on our cards are between 5 and 7%. We owe $19,000 and I am
currently emptying one of our cards so that we can transfer the
entire $19,000 using their 2.99% life-of-the balance rate. Thanks to
your many tips in your newsletter! Maria
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Running
argument regarding credit card debt
 Scott,
My husband and I have a running argument regarding credit card debt.
He gets very upset when I look at the offers we receive in the mail
to see if the APR is lower then any of the cards we currently have
and even think about transferring the balance. I am always
interested in the 0% offers, but he says that creditors don't like
to see you transfer balances over and over to 0% because it shows
that you can't handle the balance "load". Tracy
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I
am horrified--they want to know what I am going to do with the
money!
 Dear
Scott, I play the zero percent game every year and never ran into
this one. Yesterday I did a balance transfer at zero percent to pay
down my house. They gave me $20,000, which I will pay back in a
year. I was horrified that they asked me what I was going to do with
the money. Why all of a sudden do they want to know what I am doing
with the money? Greg
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Low-rate
money for life--what do I do?
 Dear
Scott, I constantly call my credit card companies to find out about
special deals. My question is with interest rates going up, is it
safe to wait until September, or should I make the transfer right
away?--Jesse
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