The offers for free credit card transfer are numerous and have various terms and conditions attached to them. It pays to explore all the different options as finding the right card can make a big difference to the way you manage your finances. Many of these cards have certain rules for the transfer of balances and often offer an interest free period as an incentive to sign up. Once the interest free period has elapsed, and you have kept up with payments then you are free to start again with another card. Some people do this regularly in order to avoid interest charges, while others like to stick with the same card. There is nothing wrong with this, especially if you are happy with both the service and the fees, but often an occasional credit card transfer could be financially rewarding. It is worth doing some research or visiting a comparison site to view the deals that are currently ongoing.
Being able to switch from a card that is charging you high interest to a card that charges no interest for a few months is possible. This can give you a little financial breathing space and prevent you slipping into debt. This ability to change from one card to another is made easier if you have a good credit rating and score.
Free credit card transfers can include rewards for everyday purchases, donations to charity, cashback, and many other benefits. It is even possible to switch cards if you have had a poor credit history in the past. Each free transfer will have extras included and some will be of more benefit to you than others. You can get money off your holidays, gym membership, music, movies and discounts at certain retailers. Some cards are able to offer identity protection services and even protection for the delivery of any of your purchases. It is just a case of finding a free credit card transfer that has the best incentives that will save your money and make your life easier.
Finally you should always check the annual rate of the card and the duration of the offer on 0% balance transfers and 0% rates on purchases. The APR will also vary on these cards and all fees may change after the introductory period has passed, always read the small print. When you are ready to choose a card and you apply online you can often be given an instant decision.