Get 0% on credit card transfer

Taking advantage of A 0% balance-transfer offer can save you a bundle while you’re paying off a holiday credit-card balance. And the offers are plentiful. Of the estimated 2.5 billion solicitations mailed in 2010, 71% included a 0% balance-transfer offer lasting an average of 12 months. The deals below for no-fee cards are the most attractive ones now being dangled before consumers.

The CAPITAL ONE NO HASSLE CASH REWARDS card(Www.capitalone.com) offers a 0% introductory rate on both balance transfers and purchases until December 2011, and it charges no balance-transfer fee. You get 2% cash back on gas and grocery purchases and 1% on everything else.After the introductory period, the interest rate can go as high as 22.9%.

The CITI PLATINUM SELECT MASTERCARD(www.citibank.com) offers a 0% balance transfers and 0% rate on new purchase for 12 months. After the teaser rate expires,your full rate may be as high as 19.99%.

The DISCOVER MORE card(www.discovercard.com)promises a 0% balance-transfer rate for 12 months and no balance-transfer fee; the 0% rate on new purchases is good for six months. When you use the Discover More card, you earn a 5% cash-back bonus on various purchases.Full interest rates range up to 19.99%.

The CHASE FREEDOM card(www.chase.com)offers a 0% introductory rate for balance transfers(until January 2012) and 0% on new purchases for six months; you’ll pay a 3% balance-transfer fee. You get 5% rebates on items in rotating categories. Your rate after the intro offer expires may be as high as 22.9%.

As of Janurary 10. *EE savings bonds purchased after May 1,2005,have a fixed rate of interest.

• Bonds purchased before May1,1995, earn a minimum of 4% or a market-based rate from date of purchase.
• Bonds bought between May 1,1995, and May 1,2005, earn a market-based rate from date of purchase.

Sources For Treasuries;Bloomberg.om, US.Treasury.

*Fund is waiving all or a portion of its expenses. †Internet only.

Sources:Bankrate.com;

†Internet only. Source: © 2011 Bankrate.com,a publication of Bankrate Inc., 11760 US

Highway 1,N.Palm Beach,FL 33408(800-327-7717,ext.11410;www.bankrate.com/kip).

Rates are adjustable. *If you do not qualify for this interest rate, the issuer will
offer a higher-rate card.

(P)Platinum card.(G)Gold card.†$35 if late more than once
in six months.♠ Maximum value, $325.

@Waived for the first year. ♣ Equals $250 savings on a ticket. ♥ Value $200 to $250.

SOURCE:Bankrate.com. Banks may offer lower introductory rates.

How to Settle Personal Credit Card Debt

Are you getting overpowered by your credit card debt? Are you juggling with multiple unpaid credit cards balance with interest rate spilling out of your pocket? If so, you should settle credit card debt as early as possible. Before your debt blows out of proportion, try to fix it up and accommodate it to your fiancé. There are a number of ways that help you to become debt free within 1 year to 5 years.

Debt management- Prior to settle your debt, it is imperative to understand your financial status. Enrolling in debt management program, you can get a proper analysis of your debt to income ratio. Calculating multiple factors it will tell you about how much time it could most possibly take to clear away your debt. A debt management firm keeps financial experts who would evaluate multiple factors including the rate of inflation, possible rise in the interest rate, any of your future investment return and so on to reach at an effective debt relief solution for you. Based on these factors, both fixed and variable, it will suggest you to adopt a customized repayment plan for your credit cad debt. Having their guidance will make you understand the most affordable way of paying your debt.

Debt settlement program- Debt settlement process is accomplished by mutual discussion and negotiation between the creditor and the debtor conducted and facilitated by a third party agency. Professional arbitrators of a settlement company make a deal with the creditor to reduce the rate of interest and eliminate late fines. Thus, they try to reduce the total amount of debt by approximately 35% to 40%. Depending on specific circumstance of the debtor, they sometimes negotiate to extend the term of the loan. Upon agreement, a debtor can conveniently make some additional payment along with his regular monthly installment. This way he can chip away his debt size. Enrolling in debt management plan one can expect to get debt free from 1 year to 3 years.

Debt consolidation- If you are carrying multiple default credit cards, the best way is to consolidate them into one. This way you could get a better handle over your debt and pay through a singular account. Transferring your balance to a low interest credit account gives you the flexibility and convenience of paying in a timely fashion. It reduces much of your hassle of tracking multiple accounts at a time. Debt consolidation extends your payment term and diminishes monthly payment pressure. Three to five years is well enough for clearing all your debts by consolidation method.