FINALLY! I'm doing it today! I've just transferred $4000 on the Citicard to the Chase card, and I'm about to pay the balance of $3909.19 from my checking account. I printed out the statement and noticed the APR has gone down to 12.99%. It kind of freaked me out to see that it had dropped. The interest was lower for the month as a result. $87.84. As I was going through the balance transfer process at Citicard, the instructions said… Read the rest

Zachary Spencer of This Can Change made a comment over at Mr. Debtbeater's and following his link to his blog I found a post where he mentions the Citi Professional Cash Card which offers 0% interest on your balance transfers, with no fee to transfer, and no annual fee. This is the best deal I've seen yet, so I decided to go for it. It's simply amazing. You put in your information online and within moments you find out whether… Read the rest

More research on transferring the two cards to one. I received an offer in the mail and it looks like a good deal. Some of the relevant fine print: No annual fee 0% APR on balance transfers for 12 months 9.99% fixed APR on balance transfers after 12 months Transfer fee 3% of amount or $99 maximum I'm assuming since I need to transfer two cards, it's going to cost me $99 for Credit Card #1 and at the current… Read the rest

Paid Twice discusses the reasons why she keeps her credit cards on her. I do carry one credit card, but I never use it. I have a slew of credit cards in a drawer. Back in September, I ordered my credit scores. It was great to see all my open accounts in a list. I plan to get around to going through that list and closing a couple of accounts each month. Although I think I've heard that can hurt… Read the rest