Credit card balance transfer
If you have three or four credit cards and you struggle to make repayments every month you can opt for a balance transfer, wherein you can have your entire outstanding balance transferred to a single credit card with a lower interest rate.
Balance transfer cards usually have an introductory period, during which you will not be charged any interest whatsoever on the outstanding balance. You can save a lot of money by paying off your outstanding balance during this period, which can range anywhere from six to 18 months.
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