Credit Card
September 6th, 2011
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What is a credit card balance transfer and how does it work?
Got 2 old credit cards with small amounts-like one hundred dollars balance one each, but want to pay off quickly. Can’t pay each credit card month to month either or separately. Don’t need old credit cards no more. What do I do? Can anyone help me out? Only helpful and sensible answer are needed for my dilemma.
While you don’t need old credit cards, keep them running to keep your credit history current – they are invaluable at doing that, and if you close the account that will end up hurting you. There is usually a fee for transferring the money and at those small balances it is really more worth it to continue paying them off until they are done. If the balances were much higher then I’d suggest it, but you’d spend money to save money and that isn’t worth it at this point. At this point, making the biggest payment you can would be your best bet. And one way might be to get a cash advance from one card, put that into your checking account and then write a check to pay the other card off – you may encounter a small interest balance so you’d need to call the bank to get an account total before paying. That would be one way to pay off a balance, and perhaps the simplest way.
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