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<p>So, I balance transferred $4000 from a cc that had 18% to a card that offers 0% for a year. What does this do to my payoff schedule? The card I transferred to has  an existing balance of $1500 at 16%. So the blended rate (for the year, anyway) is less than 8% (too lazy to do the math). Is the point when you do BT to get rid of the balance before the offer expires? Do I aggressively continue to pay down this card (it is my highest interest rate at 16%)  or does it now go behind my 14% card (which has an $800 balance). FWIW, when the offer expires, it will still be a lower interest rate than the card I transferred from.</p>
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<p>Hard to know exactly what our snowball will be...worst case scenario is $300/mo, so let's use that.</p>
 

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<p>You need to read the fine print on the balance transfer.  Many balance transfers state something like 'if not paid in full before xx/xx/xx full interest will be charged from date of balance transfer'.  Also was there a fee with the balance transfer?</p>
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<p>Its difficult to say with out seeing the balance transfer contract.</p>
 
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