Right now all of my credit card debt is on cards with 0% interest, but that will expire. I have to cash right now to pay them off… however I have instead been paying minimum payments and keeping the rest of the money in an account with high interest.
The part I need some thoughts on is if available should I take advantage of applying for a new card with 0% apr on credit transfers and continue this strategy?
You have to pay a fee to transfer the balance. If that’s anywhere close to the interest your getting on your savings you’re just adding stress into your life.
How much debt do you have?
You’re going to pay a balance transfer fee.
Why not pay them off, rinse and repeat. Apply for a new card that gives you 0% on purchases and even a sign up bonus.
You’d want to pay the current accounts and wait for all 3 credit reports to show much lower balance (but not $0 on everything) to boost your credit scores. Even if you get approved the high debt load will greatly reduce credit limits.
IMO, the potential savings aren’t nearly enough to keep the debt floating out there. Just the peace of mind is likely worth the cost of interest. How many times has the credit card debt flashed into your mind and slightly worsened your mood? How much time have you spent shopping for a new card to put it on?
Then there’s the actual (low percentage) risk. What happens when your car takes a shit and you have to spend $10k on a new one right before it’s time to roll the debt over, then you don’t get approved for the new card? Getting hit with one month’s 20% interest charge on $10k balance is $167.
If you can get a $0 balance fee, I guess it makes sense. Some people like to play this game, and if you’re one of those people, then go for it.
I personally hate these types of games and I hate monthly payments. I would just pay them off and move on with building up my savings and retirement accounts.
You are going to have to pay off the balance at some point.
I’m guessing the interest rate on the credit cards will end up being a lot more than your “account with high interest”.
Once your 0% expires, pay them off.
You may find these links helpful:
– [Debt](/r/personalfinance/wiki/debt)
– [Dealing with collections](/r/personalfinance/wiki/collections)
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You might make a little money, You might also lose your ass when your bank “forgets” to apply one of your payments, whacks you with a $35 late fee, tanks your credit, ends your promotional 0% rate, and starts charging you interest on your balance. You won’t build wealth with it.
Why bother?
Balance transfers require opening new cards.
If you’re going to open a new card, you can probably get more value from sign up bonuses.
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