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Comparing Credit Card Balance Transfer Offers

Credit card balance transfers can be a great way to cut credit card debt and reduce interest charges. With average percentage rates on credit cards often reaching 20 percent or even higher , it's extremely hard for many people to ever reduce the principal owed on their cards because the monthly payments they can afford are barely enough to pay the mounting interest, service and finance charges.

By taking advance of one of the numerous free credit card balance transfer offers available from many banks, you get to close your old credit card accounts and start afresh with all your credit card balances combined into a new account with a different financial institution. Frequently, in fact, you can open a balance transfer account without a credit check or a regular bank account. All you need to supply in those cases is your address and social security number.

The real benefit comes from the fact that there are a lot of banks competing to open credit card balance transfer accounts. This means there are a great number of offers for you to compare when deciding with whom to open your account. Some credit card balance transfer account issuers offer incentives such as waiving all interest for periods of several months to a year. Others may offer preferential low interest rates otherwise unavailable to people with less than perfect credit. It's important to compare and analyze these offers to determine which one will help you the most.

Just as there are many good credit card balance transfer plans, there are some bad ones. Compare offers carefully to weed out those that charge excessive signup, annual or balance transfer fees. Paying too much in fees can wipe out your savings from reduced interest.

Opening credit card balance transfer accounts with favorable terms has become one of the favorite strategies of people trying to get out from under a mountain of debt without having to resort to such remedies as bankruptcy or defaulting on their obligations and ruining their credit ratings.

With this type of account, customers get only one bill a month and that is usually for considerably less than the sum of their previous credit card bills. Not only that, but the total amount of money owed on the account will typically be less than the total owed on the previous credit card accounts because of the discounted interest rates and service charges available.

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Minority Ownership - Minority Ownership is less than fifty percent ownership of a corporation voting stock, or not enough ownership to control the company operations. From a purely accounting point of view, parent company which owns less than one hundred percent, but more than fifty percent of a subsidiary presents...

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