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And potentially that’s a smart move; you can save hundreds of dollars a year.

But be careful: You should transfer a balance only if you’re committed to paying off the debt within an introductory low-interest-rate window (which typically lasts 12 to 18 months after the first billing cycle closes) and to making monthly payments on time, says Arnold.

But regardless of the cause, ridding yourself of that balance should be your top financial priority. So give yourself a boost of instant gratification right from the start, says Mary Ann Campbell, a certified financial planner in Little Rock, Arkansas.

(Important: You should also avoid making any purchases with the new card, as sometimes the low interest rate won’t apply to them.) In addition, know that you’ll probably be charged a balance-transfer fee, which is usually about 3% to 4% of the total amount transferred.(3 credit approximately = 1 unit of currency – e.g.1 US or 1 Euro) that mean You will get FREE approximately 10E($) for LIVE private shows! One of the newest and hottest adult webcam site, Flirt4Free has a new promotion, you can not refuse: Get 120 FREE credits when you register!Check out the hottest webcam stars from around the world, ready to spend time with you “LIVE” from homes. 30 FREE VIP credits just for signing up Club XLive have one of the best offer!GIVE you 30 FREE VIP credits just for signing up and verifying your age with a validated credit card.

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