Money Transfer : Spreading The Speed Of Convenience

One of those times when you need to bail out your pesky teenager from a scrape while on his adventures on another backpacking trip, Money Transfer is the biggest help you can provide. Worst case scenarios like this aside, international Money Transfer is more than 150 year old financial practice that involves sending money from a country to another via transfer which has more or less has turned electronic these days.

The best part about money transfer is that the recipient gets the money in a matter of minutes, depending upon the remoteness of the destination location. Nowadays, no matter how remote the place where your friends or relatives are stuck, there ought to be a money transfer service operator within 15 km radius!! You need not even have a bank account to transfer or access the money!! Often the service is available throughout the week and at almost all hours.

Besides, money transfer is considered the safest way to transfer money because in case of most operators, the money is constantly tracked via a unique ID. This ensures that not only the money is collected only by the person for whom it is meant, but also its speedy remittance.

Most international money transfer companies have launched their online operations as online money transfer is becoming more and more popular. With the full advent of the age of e-commerce, it was inevitable. Transferring large or small sums of money is a matter of few clicks now, as customers sit in the comfort of their home and do most of their banking online.

No matter which money transfer service you use, they all are extremely professional, super-quick and very easy to operate. If security, speed and convenience is your priority, online money transfer takes the cake any given day. Just sit back, relax and leave all your money transfer worries to these services.

Get more help on money transfer and online shopping.

Money Is Not Made or Lost, It Is Just Transferred

Money is not made or lost? it is just transferred from one person to another. As hard as you may want to try, you will never be able to make any money. Even if you could, it would be illegal to do so; only the government makes money. The rest of us can just get it and move it around.

The good news is that you can also never lose money. If you do not have it, rest assured that someone else does.

But you can actually get all you want, even more than you want, if you know how to do it. Oprah and Trump know, and they use their knowledge to make themselves billionaires.

Do you know the 7 things that EVERYBODY wants? If you can find a way to give people at least one of these seven things, you can get as much money as you desire:

* more money

* less work

* more fun/sex/adventure

* less weight

* more success

* less stress

* more love

There are people who have all the money they want to spend. If you want to get rich, give people with money something to spend it on. The secret is that they must get MORE than they pay for.

Establish the value of what you have up front. Then offer it to people in a way that gives them more value for their money; more than the dollar amount they actually spend. If this also provides profit for you, what you have is a ?win-win? situation!

Kaleem Abdullah is a writer, network marketer, and radio broadcaster.

The Wave Of The Future! Electronic Walk-In Bill Payment Services, Internatioanl Money Transfer, Prepaid Debit Cash Loading & Cellular Phone Services

The Wave Of The Future! Electronic Walk-In Bill Payment Services, Internatioanl Money Transfer, Prepaid Debit Cash Loading & Cellular Phone Services For Merchant Retailers.


Here's How Retailers Are TurboCharging Their Businesses For The Road Ahead With Walk-In Bill Payment Services-Prepaid Cellular Phone Services, Plus More!. Your Niche!, By Defining Merchant Retailers Into Need Fillers!.

Wireless Direct Now Offers Electronic Bill Payment Service Money Solutions; Retail Licensing Provider of Bill Payment Service & Cellular Provider Services Technologies.

Shorewood, Wisconsin -- The electronic age has been bridged by a new electronic bill payment service now offered through Wireless Direct, Solutions for Retailers. The service is called Pay All Bills and provides "one-stop" convenience for anyone needing to pay any bill.

The entire process is completely safe, reliable and underwritten by an F.D.I.C. insured bank. Rather than purchasing a money order, finding an envelope, purchasing a stamp, and taking the bill to the post office, a person, by taking that bill or statement to Merchant Retailers, can become an established bill payment customer and pay any bill that is payable to any biller. The entire bill payment process is completed at one convenient location. The Pay All Bills system is a nationwide, Internet based solution allowing Merchant Retailer Customers to make it an easy choice for any person to pay any and all of their bills, month after month. The system utilizes relationships with thousands of commercial billers in various industries that have agreed to accept payments electronically. Additionally, any biller not currently participating in our electronic network will be contacted by the service to discuss details about how their business can become eligible to receive payments electronically, thereby enhancing their customer service.

Time frames for payment settlement vary between billers, most as quickly as two business days, depending on whether the biller can accept electronic remittance. Even if a biller cannot receive an electronic payment, still forwards the funds to the biller.

"This process has been well received by billers and customers alike," said Kirk McLaughlin, CEO, Bank, Ralls, Texas, owner of the bill payment software. "Inexpensive electronic bill payment has been reserved for those with a bank account, until now. We are pleased to offer to individuals that do not have a banking relationship a way to conveniently pay bills, too," added McLaughlin.

More infomation about bill payment services & prepaid wireless cellular providers can be found at: http://www.prepaidwireless.2ya.com


One Stop Shop Money Solutions: http://www.prepaidwireless.walkinmoneysolutions.com


Contact: Prepaid Wireless Direct
Communications Director
Wireless Direct
Box 71101
Shorewood, Wisconsin
1-877) 947-3577
1-877-(WireLSS)

End




Think about it. This is all about how to increase traffic by deploying innovative strategies to make retailers more competitive with greater option innovations in technology, that hold the promise of generating additional capital to allow retailers to compete more effectively and allow merchants to be more effective pursuing the detail of retail. More infomation about bill payment services & prepaid wireless cellular providers can be found at: http://www.prepaidwireless.2ya.com One Stop Shop Money Solutions: http://www.prepaidwireless.walkinmoneysolutions.com

How To Make Money Using RSS Data Transfer

RSS, (Really Simple Syndication) has become so popular today and is being referred to by internet users as "Pull" Technology rather than "Push" Technology.

It's difficult to imagine that anyone who logs on to the Internet has not heard of "Spam." Most, If not all Internet users are inundated with these advertisements, that we did not ask for or request.

For those of you that may not be familiar with the term, rest assured we're not talking about canned meat here. LOL! Rather, it is unwanted advertising from people that we neither asked for or requested to recieve. Spam is "Push" technology. "Pushed" in your face and inbox, wanted or not.

Many believe this brand of "Push" technology is or will be, the death of email. Yet, as long as there are individuals and companies that continue to use the illegal spam process, email will be around for a long long time. The irony being, companies are raking in millions, selling spam solutions, to people and big corporations, that are Not Working!

RSS, is the Total Opposite of the above "Push" technology. When subscribing to an RSS Feed, subscribers "Pull" information into their RSS Readers and can only be done so if someone voluntarily subscribes to a particular RSS Feed. If they find it's not the information they want, they can simply unsubscribe and never have to recieve another message from the owner of that particular feed. Hence the term "Pull" Technology.

Utilizing RSS "Pull" technology has become a popular source of income for webmasters that use RSS Feeds on their websites. Here's How:

Let's say, you set up a one page mini-site or you could even set up a Blog. A Blog would be a quick and easy alternative.

You can then host ads from either Google Adsense or the New Yahoo look alike Google Ads. When someone visits your page and clicks one of your ads, You Get Paid.

If you've followed along and done the steps above, you've created a good starting place. You're going to need to make sure your pages are optimized properly. This will ensure you get your page ranked high in the search engines. Like any site or page, the more targeted traffic you get, greater are the chances that someone will click your ads. Which increases your Income.

Now, by using the power of RSS you increase your pages earning potential. When you add an RSS Feed to your page, you convert it into an ever changing, dynamic web page. Bringing you an abundance of visitors who, in all probability will return to read it.

Especially if you add 10 or 15 RSS Feeds to your page. You will create a dynamic, ever changing, self updating page. Providing valuable content that readers will want to read, over and over again.

Any web page can be turned into a dynamic web page. Just use the free RSS creator software called "Carp" This is one of the most popular free versions and can be downloaded here: http://www.geckotribe.com/rss/carp/

After you set the program up on your website and added the proper code to your website, then you will need to collect RSS feeds that relate to the topic of your web page.

You've got your web page, It's topic is about writing articles. Go to Google News, Get their RSS Feed Code, Insert it into the designated Carp Coding, then make the necessary changes found below: http://news.google.com/news?hl=en&q=writing+articles&ie=UTF-8&output=rss

Same with Topix.net, adjust the code like this: http://rss.topix.net/search/?q=writing+articles&xml=1

Once you've got your web page uploaded, It will automatically pull in fresh content from Google and Topix about writing articles.

Do these things for any web page and watch your search engine ranking soar and also your Income!

Art Luff is Not a Marketing Genius or Guru. He's Just an Ordinary Guy Trying To Make a Go Of It In this World. Jump on Over to http://best-resale-deal-ever.com/ and Subscribe to his Informative Affilate Marketing Newsletter. His approach to Marketing affiliate programs will awaken your imagination and keep you coming back for more!

How To Make Money Using RSS Data Transfer

RSS, (Really Simple Syndication) has become so popular today and is being referred to by internet users as "Pull" Technology rather than "Push" Technology.

It's difficult to imagine that anyone who logs on to the Internet has not heard of "Spam." Most, If not all Internet users are inundated with these advertisements, that we did not ask for or request.

For those of you that may not be familiar with the term, rest assured we're not talking about canned meat here. LOL! Rather, it is unwanted advertising from people that we neither asked for or requested to recieve. Spam is "Push" technology. "Pushed" in your face and inbox, wanted or not.

Many believe this brand of "Push" technology is or will be, the death of email. Yet, as long as there are individuals and companies that continue to use the illegal spam process, email will be around for a long long time. The irony being, companies are raking in millions, selling spam solutions, to people and big corporations, that are Not Working!

RSS, is the Total Opposite of the above "Push" technology. When subscribing to an RSS Feed, subscribers "Pull" information into their RSS Readers and can only be done so if someone voluntarily subscribes to a particular RSS Feed. If they find it's not the information they want, they can simply unsubscribe and never have to recieve another message from the owner of that particular feed. Hence the term "Pull" Technology.

Utilizing RSS "Pull" technology has become a popular source of income for webmasters that use RSS Feeds on their websites. Here's How:

Let's say, you set up a one page mini-site or you could even set up a Blog. A Blog would be a quick and easy alternative.

You can then host ads from either Google Adsense or the New Yahoo look alike Google Ads. When someone visits your page and clicks one of your ads, You Get Paid.

If you've followed along and done the steps above, you've created a good starting place. You're going to need to make sure your pages are optimized properly. This will ensure you get your page ranked high in the search engines.

Like any site or page, the more targeted traffic you get, greater are the chances that someone will click your ads.

Which increases your Income.

Now, by using the power of RSS you increase your pages earning potential. When you add an RSS Feed to your page, you convert it into an ever changing, dynamic web page. Bringing you an abundance of visitors who, in all probability will return to read it.

Especially if you add 10 or 15 RSS Feeds to your page. You will create a dynamic, ever changing, self updating page. Providing valuable content that readers will want to read, over and over again.

Any web page can be turned into a dynamic web page. Just use the free RSS creator software called "Carp" This is one of the most popular free versions and can be downloaded here:

http://www.geckotribe.com/rss/carp/

After you set the program up on your website and added the proper code to your website, then you will need to collect RSS feeds that relate to the topic of your web page.

You've got your web page, It's topic is about writing articles. Go to Google News, Get their RSS Feed Code, Insert it into the designated Carp Coding, then make the necessary changes found below:

http://news.google.com/news?hl=en&q=writing+articles&ie=UTF-8&output=rss

Same with Topix.net, adjust the code like this:

http://rss.topix.net/search/?q=writing+articles&xml=1

Once you've got your web page uploaded, It will automatically pull in fresh content from Google and Topix about writing articles.

Do these things for any web page and watch your search engine ranking soar and also your Income!

International Money Transfer

International Money transfer is an essential part of your international move and/or business, which, if handled correctly can boost your bottom line or settling funds dramatically. Anybody looking to move overseas, send money to family or conduct business with an overseas company will need to purchase or transact in the destination currency. In order to complete any property acquisition ahead of your move or just simply transfer your existing assets over to your new country, the method you choose will make a big difference.

In today's volatile currency markets, a small change in the currency rates, coupled with the high commission charged by most banks can make an enormous difference in the net currency amount received when converting your currency, you are placing what is possibly your life savings into someone else?s hands. Depending on the size of transaction, this could make a tangible difference of several thousand dollars; money you may prefer to put towards starting your new life! This can leave you exposed to the market fluctuations and could give you a handsome boost to your funds or put a big hole in your budget.

To start with you have several choices how you move your money:

1. Use your normal Bank and accept the charges and the fact that you may not be talking to an expert when you discuss the transfer.
2. Use a specialist international currency transfer company
3. Use a normal money transfer agent (again accept the charges)
4. Buy a huge amount of traveler?s cheques or take cash (not recommended)!!!

Lets discuss each one with a bit more detail:

Possibly the most important piece of advice I was given when emigrating was that the high street banks were not the best people to entrust with your money transfer overseas. How do you know that the bank teller has any idea what you are talking about (not being belittling but it probably isn?t an everyday service)? They charge commissions, transfer fees and then to cap it all off they give a reduced exchange rate.

Essentially, the high street money transfer agencies are similar to the banks. They may know more about the transactions but will hit you with commissions, charges and not the best rates.

Travellers cheques and cash speak for themselves ? don?t do it! They are easily lost/stolen, some countries only allow a limited amount of cash to be carried into the country and in the case of travelers cheques, you may have to pay to buy them and then to cash them in. Just plain don?t do it!!!!

Last, but not least, it?s the international currency transfer companies. I had no idea that international currency transfer specialists even existed, never mind the exceptional services on offer.

Naturally, securing the very best rate of exchange becomes all important. There are several money transfer companies that offer an alternative to the banks ? in fact ?alternative? is too weak, they outclass the banks by a mile! When we first heard about the services on offer it really did seem to be too good to be true and we were very skeptical. We thoroughly researched the major high street banks in the UK and the rates they were offering (adding the fees and commissions!) and then compared to the service we were offered. Again, there had to be a catch.

The transfer company had no commissions, transfer fees and also gave a rate that was close to 3 cents to the pound better than the banks. All the funds would be transferred electronically to the bank account of our choice normally within 2 working days. We were even offered a choice of payment methods which included direct debits/debit cards/electronic wire transfers and the ability to ?book? a rate in advance for a small deposit and then pay the balance prior to the contracted transfer date.

We had to find out how these people could offer such a service so quite bluntly asked. The answer was very simple. This was a dedicated, specialist company that dealt on the Forex markets in large volumes ? this meant that there would be a low profit margin on each individual deal but the overall volume made it worth while. Because they are a specialist company, they could pass on the savings to their customers and the use of modern, electronic transfers ensured the costs were low with no need to pass them on to us! A true Win-Win situation.

The other added bonus is that these people are dedicated foreign exchange experts who research the markets and accurately forecast the trends and can advise action accordingly. If it makes sense to ?book? a rate for settlement up to 2 years ahead then that will be recommended ? you pay a deposit and commit to the deal and then they buy the currency at the agreed rate of the day. They hold the currency on your behalf and then at the agreed date you pay the balance and the money is transferred. This protects you against fluctuations and allows you to budget accurately.

 The author immigrated to Canada in 2003 and has constructed a free information website http://www.onestopimmigration-canada.com about Canadian Immigration and life in Canada based on his family?s experiences.

Credit Card Balance Transfer Tips

Eliminating high interest credit cards by transferring to a card with a lower rate can help you save a great deal of money, allowing you to regain control of your finances. However, it is important that you understand all of the terms and conditions of your new credit card before committing enrollment. You want to make certain that the card offer is fair and that you are truly going to benefit from it. Featured are tips that will help you choose and use the right credit card for transferring balances.

Pre-determining interest rates

Most balance transfer offers are good for only the first 6-9 months of enrollment. At the conclusion of the introductory rate, the card will convert to a more standard rate, typically between 14-20%. It is important that you determine what the interest rate is going to be once the intro rate is over. If you are not sure what interest rate the card is going to be charging at the conclusion of the intro offer, call the issuer and find out.

New purchase interest rates don't equal the balance transfer rates

The intent of transferring credit card balances is to obtain a lower interest rate and eliminate your debt quicker. It is important to note that the balance transfer interest rate is not going to be the same for new purchases made with the credit card. In fact, new purchase rates are going to be higher. Also, payments that you make towards your credit card bill are going to be applied towards the balance transfer debt first, until they are eliminated. As a result, you are going to end paying a lot of money in interest costs for new purchases. It would be wise for you to pay off all of your balance transfers prior to making any new purchases with your credit card.

You should also be aware that many issuers will apply the introductory rate to new charges only. Therefore, you will end up paying the full standard interest rate on your balance transfers, defeating the purpose of saving money while eliminating your debt. Obviously these type of card offers are not ideal for balance transfers and should be avoided.

Know what fees are associated with transferring balances

It is very likely that you are going to be charged a percentage when transferring credit card balances. This fee is usually 4-5%, with a $35-50 cap. Unfortunately, many credit card issuers have decided to eliminate the cap; resulting in consumers having to pay hundreds of dollars when transferring $1500 or more. Even worse, this fee is often considered a new purchase, meaning you pay a high interest rate for this portion of your card's balance. Therefore, you should look to apply for a credit card that offers caps on balance transfer fees and costs.

Be alert of bait-and-switch schemes

Offers are not always what they seem. Suppose your credit score is 550. It is likely that when you submit a request for a particular card offer, that the issuer presents you with an offer that is geared more towards people with bad credit. Specifically having a higher interest rate and no introductory offer. You can get approved, and not even be informed that the approval is for a different credit card. You probably won't even realize until after you receive your first statement. Therefore, it is crucial that you read the terms and conditions of the card you are approved for before you transfer any of your balances, or make any new charges.

Don't be late on your payment

It does not matter if you are one day late or ten days late. Being delinquent on your payment will result in you losing your introductory offer!

Jacob Joseph is a financial expert for http://www.starloanservices.com. At Star Loan Services you can apply for credit cards for people with bad credit

The True Value of Balance Transfer Credit Cards

Far too many people make the mistake of just looking at the interest rate offered for balance transfer credit cards. There are several other factors that play a critical role. These factors include the duration of the introductory rate, the actual rate offered during the introductory period, the rate to be imposed after the introductory period is over and finally, any and all fees.

Another key component to getting the best deal on balance transfer credit cards is your current credit score. If your credit history is solid, you're going to get a great deal. If you have poor credit, the deal you will be offered will not be nearly as good, if in fact, you're accepted at all by the credit card issuer.

We are all looking to improve our financial situation. Lowering expenses is an excellent place to start. As a matter of fact, I think it's the very first thing that should be looked at. If you are not in the position to immediately pay off high balance credit cards, then the next best move is to transfer your balance to a credit card that charges a lower interest rate. A 12 month 0% APR introductory rate credit card is definitely a desirable option.

Use that introductory rate to your advantage though. Don't view it as a free ride. Pay off your balance as quickly and aggressively as you possibly can. That's where the true value of balance transfer credit cards lie. But again, and I cannot stress this enough, read all the fine print so that you will know what rates you will be charged when the introductory period expires. Far too many people apply for balance transfer credit cards thinking that their financial debts are taken care of, only to learn that they are once again socked with high interest rates.

All credit card companies know that their real profits lie with those individuals that carry balances month after month. They love them. That's what keeps them in business. Don't enrich the credit card issuers, enrich yourself. You can do that by knowing all the stipulations associated with the credit cards that you are considering. You must also be diligent and disciplined so that you will not get caught unknowingly with high interest rates and unnecessary fees. Only then will you truly benefit from balance transfer credit cards.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Low Interest Rate Credit Cards, including assistance with locating the Best Balance Transfer Credit Cards. Get the information you are seeking now by visiting getqualitycreditcards.com.

Balance Transfer Credit Cards - Are They Still A Good Deal?

There's been a lot of press lately about the demise of balance transfer credit cards. The reports of their death, to use an old quote, have been greatly exaggerated. Balance transfer cards have changed considerably, but they're far from gone and not likely to be going anywhere anytime soon. If you've been considering cutting your interest payments by transferring the balances to one with a special balance transfer deal, here's what's going on in the world of balance transfer credit cards.

For years, credit card companies were able to build their business by enticing new customers from the ranks of those who'd never held plastic before. But with the numbers of cards in circulation rising and the average Brit carrying four different cards in his or her wallet, they've had to get competitive with each other. Thus was born the marketing tactic of offering 0% interest for any balance transferred from a competitor's card to a new card.

Those 0% balance transfer deals were greeted enthusiastically by the public - a bit more enthusiastically than the issuers of those cards expected. They missed a vital point in their calculations - customers who switch cards for a better rate of interest have already given up brand loyalty in the interest of getting the best deal. When the 0% interest ran out, they simply moved their remaining balances to another card. To counter that, the big companies started modifying their offers with restrictions designed to keep people from jumping from card to card following the best rate.

Some of those restrictions are openly stated and easy to see - reductions in time on the introductory rate, for example. Others are hidden in the conditions and terms of your credit agreement. Those 'traps' make it all the more important to carefully compare balance transfer credit cards before you move your carried balance from one card to another. It's still worth your while to check on the newest balance transfer offers a couple of times a year, say the money experts, but be sure to compare the offers before you jump from one card to the next.

Comparison sites make it easy to find all the newest and best balance transfer deals and compare them with each other. When you check into the offers you find, read the terms and conditions of each balance transfer option for the following things:

- What is the APR on your transferred balance and how long does it last? There are very few 0% balance transfer card deals left, but there are a few. The 0% APR on transferred balances may last for three months, six months, nine months, or in some cases for the life of the balance transfer amount. More often, the APR on your transferred balance will be a low 1-2% for the life of the balance, as long as you conform to certain restrictions.

- What is the APR on new purchases? Many of the new balance transfer offers require that you use your credit card to make a certain number of purchases per month. This is because the lowest interest rate only applies to your transferred balance. Any new purchases will be subject to a higher interest rate more in line with typical APRs on other credit cards. In addition, any payments that you make will be applied to your transferred balance until it's paid off. That means that your new purchases will sit on your card accruing interest at a higher rate until your entire transferred balance is paid down.

- What are the requirements to keep your low balance transfer APR? Most cards no require you to make at least some purchases each month to keep the APR on your transferred balance. In some cases, the card agreement will specify a number of purchases without specifying an amount. In others, it will specify an amount that must be charged against your card, and in some cases, it will be both a number and an amount. Remember that those amounts will accrue interest until the balance transfer amount is paid off and choose a card that requires the least amount of new purchase debt.

- What's the balance transfer fee? Another big change is in the structure of the balance transfer fee. Until recently, most balance transfer options had a cap on the balance transfer fee - a percentage of the transferred balance up to ?50, say. Now many have dropped the cap in favor a straight percentage. Before you choose a balance transfer credit card, be certain that the transfer fee doesn't cost you more than the interest that you'd pay on your current card.

Balance transfer credit cards still exist, and will for years to come - but the terms are changing, and will continue to change as the companies plug holes that allow consumers to use them in ways they didn't anticipate. Keep your eyes open for new balance transfer opportunities, but be sure to check them carefully for conditions and traps.

Jon Francis has been involved with finance for many years! With an in-depth knowledge of the credit card UK market help helps others get the best from a credit card.

Balance Transfer Credit Cards: How To Benefit From a 0% Intro Rate

If you are considering combining your outstanding credit card balances into one place, you might be curious about the best way to benefit from a low introductory rate. The switch to a 0% APR card is not a difficult one, but you should have a plan in place to maximize your savings and pay down your principle debt.

Simple Steps

Even though it is a fairly easy process to consolidate into a 0% APR card, there are a few simple steps to ensure you don?t get burned in the process. First, if your goal is to make headway on your balances, find a card that has a 0% APR. Most balance transfer cards come with a 12 month 0% APR grace period. Others, instead of granting a grace period, will have one lower than average APR from the get go. The advantage to this second type of card is that you keep that low rate, whereas a typical 0% APR card will ramp up to a rate that is a little more common. The point of getting a 0% APR card is not to just give you immediate relief from interest payments. It is to give yourself an opportunity to pay down that debt without the added burden of paying the credit card executives? salaries. So, when you get this opportunity don?t fritter it away; even if you don?t pay-off your entire balance, your interest payments after the grace period will be greatly reduced if you make some progress.

Feel the Power?

?the willpower, that is. You can do wonders for your credit score and financial situation if you use your 0% APR card with discretion. However, if you make late payments, or only small payments while adding to the overall balance, then you could easily get yourself into trouble. The worst possible credit-card-induced feeling is to have a big balance creep up on you, and to realize higher interest rates are coming along for the ride. The single biggest pitfall to avoid is the temptation to sit on your 0% interest, and spend your money elsewhere. Take advantage of the opportunity and you?ll find yourself on sounder footing.

Have a Plan

The best way to go about this transition is to have a well thought out plan. You can approach this opportunity any number of ways; your personal financial situation should dictate your needs. It might sound trite, but studies show that those who formulate a well thought out plan before embarking on a new endeavor are much more likely to succeed. Sitting down and thinking about your goals, whether that be partial payment of the balance or payment in full, will help you create a more stable financial picture. You really can maximize this opportunity!

Please click here http://www.credit-card-surplus.com/balancetransfer.php to find Balance Transfer Credit Cards. Ed Vegliante runs http://www.credit-card-surplus.com , a credit card directory enabling the consumer to compare and apply for credit cards

Balance Transfer Cards - An Introduction

Most credit cards offer the balance transfer facility. Balance transfer implies transferring the outstanding or balance amount payable on one credit card to another credit card with a lower interest rate. Before you go ahead and opt for a new credit card, solely because of the balance transfer facility, keep the following pointers in mind.
<li>Low introductory rates on credit cards last anywhere between 6-12 months. Most of the major credit card companies have zero percent rates on balance transfers. However, one late payment is all the invitation your credit card company needs to increase the interest rates.
<li>Some low-rate cards levy a transaction fee, to avail of the balance transfer facility. Run in the opposite direction (without the credit card being offered) when you hear of a transaction fee.
<li>Ensure that your old credit card company has sent you a billing statement which states that you have cleared your outstanding balance. Make sure this tallies with the billing statement issued by your new credit card company, which confirms all the balance has indeed been transferred. Only then should you close your old credit line.
<li>Keep making minimum payments on your old card, while availing of the balance transfer facility, which may take anywhere between 2-4 weeks. Do not make the mistake of not closing the credit line on your old card. You might succumb to the temptation of charging credit to your old card and will soon be left with 2 cards and very high debt.
<li>Ensure that the rock bottom rate being offered is applicable to you also. Offers may boast of rock bottom rates, which shoot up by a large margin after an introductory period. You could qualify for a 5 percent initial rate which increases to 20% after 6 months. Some one else might qualify for a 4 percent initial rate that increases to 15 percent after 8 months. Drive a hard bargain for the best rate.

Other Balance transfer credit card features include:
<li>APR rate ranging between 9 - 11 % <li>Typically 3 other interest rates offered (Introductory, Monthly, and Annual). The Introductory rate is usually 0%, the monthly rate varies between 0. - 1.5 % percent, and the annual rate varies between 9-11%. <li>Minimum and Maximum credit limit <li>Cover against online fraud when purchasing on the Internet <li>Card replacement in case of loss <li>Customer service support 24/7/365.

Inspite of the host of credit card related features on offer, the best protection against getting sucked into the whirlpool of credit card debt is to reform your spending habits. Make a keen distinction between needs and wants before your next purchase.

Visit Smallbusiness-creditcard.com to get more information on credit cards and to compare features of balance transfer cards

Smallbusiness-creditcard.com, features credit cards from major card companies. Read our articles to familiarize yourself with credit card terms and compare various credit cards including balance transfer credit cards before you apply for one.