if you looking for credit cards with no balance transfer fee, actually there is! but for most conventional or regular credit cards, most of them will charge you a fee! because for some reason they know, you will do that! and because of that they make money! 😉 so the most important question is, is there any credit cards, that will not charge any fee if we do transfer balance to another account ? well, there is one! or maybe a hundreds credit cards, that have kind of benefit! 😀
and Good news is that credit cards company are near you! 😉 yep! Credit Union! most of them will not charge you transfer balance fee! and sometime they also not charge cash advances fee! because for average credit cards they will charge about 5-6% for cash advances fee, and transfer balance! but not credit union! and also their APR or Annual percentage rates, are not high! in fact almost a half than famous credit cards! regular credit APR, have average APR about 14% 20% but for Credit union they only charge a half or about 6% -10% APR! so its good deal! 🙂 low APR, no transfer balance, no cash advances fee and etc!
though, to get approval and join become credit union member, sometime are not easy! because what you should do is “BEG”! 😉 (kidding)! of course not, just ask them! what criteria to get accepted! some credit union will only accept certain profession, or even religion ! but not all CU will do that! just find Federal credit union near you! I am sure their criteria for a member are more general and open for wide range people!
anyway, thanks for reading my Credits 🙂