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Many consumers have been receiving offers such as this in the mail lately, as many credit card companies are competing in a more regulated credit market. However, although a 0% balance transfer indeed sounds like a great offer at the onset, it's important to realize that the actions you take after accepting such an offer can have a positive or negative affect on your credit, [link widoczny dla zalogowanych] so making the right choices will be crucial during this period. This is especially true if you are attempting to repair bad credit.
To begin with, the 0% rate that is being offered for most cards has anywhere between a 6 month to 1 year expiration date. [link widoczny dla zalogowanych] While the possibility of debt that is interest free seems attractive, it is important to realize that such an offer is a clever way [link widoczny dla zalogowanych] in which credit card companies make money off of debtors. Therefore, if the debt is something that you know you will be able to pay off before that 0% interest offer expires, it might be a wise financial decision for you to transfer balances--particularly if there's no balance transfer fee and if you have balances sitting in high interest credit [link widoczny dla zalogowanych] accounts. However, if you accept a balance transfer offer [link widoczny dla zalogowanych] and [link widoczny dla zalogowanych] add to that balance rather than paying it off, you are setting yourself up for financial disaster.
Next, when you open a new account and transfer old account balances to it, this process will likely affect your [link widoczny dla zalogowanych] credit score negatively because the average age of your accounts will be lower. However, since you've increased your credit limit with the new account and lowered your balances on other accounts, as long as you [link widoczny dla zalogowanych] don't close those older accounts, your credit score is likely to see a slight increase.
The bottom line is that if you can open the new line of credit to transfer balances at 0% and pay off those balances before the 0% offer expires, this could be a great financial move for you, especially if you are seeking bad credit repair. However, if you add to the balance after the transfer, or build the balances back up of those accounts that are now at zero [link widoczny dla zalogowanych] because of the balance transfer, you run a great risk of not only lowering your credit score but also getting yourself in a financial hole that will be [link widoczny dla zalogowanych] difficult to exit.
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