0% Balance Transfer Offer at NFCU | The Paycheck Chronicles
Are you the amount of credit card debt? If yes, you're probably paying interest on credit card debt. NavyFederal Credit Union (NFCU) offers a great balance transfer now: 0% interest for 12 months and no balance transfer fee. This agreement is really worth a look to see if it's something that goes well for you.
How do you know if this agreement is for you?
First, have you ever NFCU a credit card? How do you balance available? Do you have credit available to make a balance transfer, or will you need to have your credit limit increased?Do not increase your credit limit if that is not otherwise a good thing for you. What is your interest rate on the card now? This is the rate that you start paying after 12 months of the promotional period. You do not want to move a huge balance of a lower rate card and start paying higher rates on that when the promotional period is up.
If you do not already have a card NFCU, you'll need to open a new account. Consider all aspects of opening new credit before making a decision - sometimes that's exactly the right thing to do, sometimes it's a terrible idea.
If you already have a credit card with NFCU available credit, or if you have evaluated the options and it seems wise to request a new account or a higher limit, then you must decide how many credit cards you want to transfer. Since this offer has no transfer fee, which is not a concern. If the rate card NFCU is below the interest rate on existing debt, it makes sense to go ahead and spend the entire balance. However, if the current account rate is lower than the regular NFCU, while transferring as much as you can pay within 12 months.
If you decide to take advantage of this offer, remember to make a balance transfer online or by phone - do not use checks your convenience. They will be charged a fee and will not be eligible for promotion.
If you do the math, and stick to all the details of the agreement, balance transfers can be a great way to reduce or eliminate the amount of interest you pay when you get rid of your debt. However, you must be careful to examine all the fine print to ensure you do not stumble.
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