Shopping on line can be easy, simple and save you lots of money. It can also take a lot of your time, frustrate you, and result in unwanted purchases. Now the same can be said for regular high street shopping, but with the vast opportunity presented by the Internet it will pay you to spend a few minutes reading this and understanding how to better optimize your Balance Transfer shopping experience:

1. Compare - without doubt the biggest advantage that the Balance Transfer offers shoppers today is the ability to compare thousands of Balance Transfer at a time. This is a great thing, but not necessarily all the time! Too much can be daunting at times so take advantage of the great comparison sites and where possible let them do the hard work for you.

2. Research - if it has been said it will be on the internet. Ignorance is no longer a justifiable reason for buying the wrong thing. Take the time to research in detail everything that you could possible want to know about

3. Testimonials - don't know anybody that has bought a Balance Transfer? Wrong! If the Balance Transfer is good the internet will let you know. Use the Internet as a friend and get testimonials before you buy.

4. Questions - Got a question about Balance Transfer then search the Forums, FAQ's, Blogs etc. Don't be afraid to ask .....

5. Reputation - Never heard of the company selling Balance Transfer? Don't worry, no reason why you should know every company in the world, but you know someone that does! Use the internet to find out what people are saying about Balance Transfer and build up a picture of their reputation for sales, returns, customer service, delivery etc.

6. Returns - still worried that even after all of the above your Balance Transfer wont be what you want? Check out the returns policy. There is so much competition now that someone, somewhere is bound to offer the terms that you are comfortable with.

7. Feedback - happy with your Balance Transfer then let people know, after all you are depending on others people input in your buying decision, so why not give a little back.

8. Security - check for the yellow padlock on the Balance Transfer site before you buy, and the s after http:/ /i.e. https:// = a secure site

9. Contact - got a question about Balance Transfer, or want to leave a comment then check out the sites contact page. Reputable companies have them and respond.

10. Payment - ready to pay for your Balance Transfer, then use your credit card or PayPal! Be aware of companies that don't accept them, there may be genuine reasons but given the huge amount of choice you have when buying online there is no reason at all not to buy via credit card or PayPal.

A balance transfer is the act of transferring debt from one credit card to another assuming the newer card has better terms and rates. The balance transfer offer consists of 3 elements, offer rate, offer duration, and transaction fee. There are usually 3 types of offers by rate and duration: Purchase rate, teaser rate, and fixed life of loan rate.

• Purchase rate Offer: The transferred balance will be subject to same rate as the card's purchase (merchandise) rate.

• Teaser rate Offer: Very low rate for the limited time. The 0% rate is the most common rate when you open the new card. However, the duration varies from 6 to 15 months. After the promised duration, the rate is usually subject to Purchase rate

• Fixed Life of Loan Rate Offer : Low rate that is fixed until the transferred balance is paid in full. This type of offer is usually guaranteed as long as the account is current (paying on time). This is a great way to save the interest without worrying to initiate another balance transfer after the Teaser rate offer expires. However, the offer rate is higher than the limited duration teaser rate offer.

Many of balance transfer are subject to transaction fee. It varies from 1-5% of transferred debt with maximum cap if disclosed.

• More Generally: A balance transfer describes any shifting or moving of either an asset or debt from one account to another.

• One thing to look for (and keep in mind) in a "Life of the Balance" transfer is what will happen if you are late in making a payment... just one payment. The transfer terms will likely indicate that, without notice, your low "LOB" rate will automatically adjust to that of a convenience check or some other higher rate if your account goes into a non-current status, or late payment condition.

A balance transfer is the act of transferring debt from one credit card to another assuming the newer card has better terms and rates. The balance transfer offer consists of 3 elements, offer rate, offer duration, and transaction fee. There are usually 3 types of offers by rate and duration: Purchase rate, teaser rate, and fixed life of loan rate.

• Purchase rate Offer: The transferred balance will be subject to same rate as the card's purchase (merchandise) rate.

• Teaser rate Offer: Very low rate for the limited time. The 0% rate is the most common rate when you open the new card. However, the duration varies from 6 to 15 months. After the promised duration, the rate is usually subject to Purchase rate

• Fixed Life of Loan Rate Offer : Low rate that is fixed until the transferred balance is paid in full. This type of offer is usually guaranteed as long as the account is current (paying on time). This is a great way to save the interest without worrying to initiate another balance transfer after the Teaser rate offer expires. However, the offer rate is higher than the limited duration teaser rate offer.

Many of balance transfer are subject to transaction fee. It varies from 1-5% of transferred debt with maximum cap if disclosed.

• More Generally: A balance transfer describes any shifting or moving of either an asset or debt from one account to another.

• One thing to look for (and keep in mind) in a "Life of the Balance" transfer is what will happen if you are late in making a payment... just one payment. The transfer terms will likely indicate that, without notice, your low "LOB" rate will automatically adjust to that of a convenience check or some other higher rate if your account goes into a non-current status, or late payment condition.

Credit Cards > Balance Transfer
Credit Card Balance Transfers Purchases Typical APR (Variable) Rewards ; Rate Duration Rate Duration; Virgin 15 Mth 0% balance transfers - 3 Mth 0% on Purchases

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