credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer. This seems like a logical thing to do, right? I mean, lower interest rates on your credit accounts equals more money in your pocket, true? Yes, transferring your credit card balance from a high interest credit account to a lower one is an excellent way to save money on interest, especially if you carry a lot of debt on your credit card(s). But how does this affect your credit rating and credit score? The answer to that question really depends on your situation, and how you go about it. A closer look Lets say you have $5,000 in debt on a credit card account from "ABC Credit Services", which has a total credit line of $10,000. For this example, lets just say this is currently your only open credit card account. Since your debt takes up half of your total credit line, this would put your percentage of debt compared to your credit line, for this account, at 50%. We'll call this your "debt percentage". You're making payments to ABC with no problems and you seem happy with the account and the interest rate. That is, until one day you check your mail, and there it is, a credit card offer from "XYZ Credit Services" with a fixed interest rate set at half of what you're paying now with ABC! Suddenly dollar signs start popping up in your head, and you start trying to figure out how much money you could save by transferring your $5,000 balance to XYZ. You then decide you're going to apply for the account at XYZ. Your credit is good right? No problem! You receive the card in a week or so, and go ahead with the balance transfer. So how does this affect my credit score? How this balance transfer affects your credit rating and credit score really depends on what you do from this point on, and also what your credit line is on your new card from "XYZ". If your credit line on your new card is lower than that of the original "ABC" credit account, then your "debt percentage" will be higher, which generally will lower your credit score. This would be true if you closed the original account at ABC, and kept your new account as your only open credit card account. If you've had your "ABC" credit card for
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Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Brittany Blue Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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