If you're struggling with credit card debt, switching to a card with a 0% intro APR on balance transfers could be your best financial move. This strategy allows you to transfer existing debt and pay it off interest-free during the introductory period, which can last up to 18 months or longer. For example, carrying a $5,000 balance at a 22.76% APR could cost you over $1,100 in interest in just one year. However, many cardholders may not realize they are using cards that don’t maximize their benefits. Signs you should consider switching include difficulty redeeming rewards, earning only 1% on most purchases, or not getting value from an annual fee. If your card isn’t meeting your needs, it’s time to explore options that better align with your spending habits and financial goals. Don't hesitate to find a credit card that works for you and helps you save money.
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