Lifetime balance transfer cards are a must if you with to win in the credit game. We take you through the advantages and disadvantages of transferring to a card with a long-term balance transfer rate.

If you anticipate that it will take you longer than 6-12 months to clear your credit card balance, switching to a lifetime balance transfer card could be a worthwhile option.

How do they work?

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Credit card providers in the US have been fiercly competing with each other offering two very attractive offers with a headline rate of 0%. Generally, these 0 APR credit cards are either introductory purchases offers, balance transfers or a combination of the two.

This article examines how to get the best out these types of card and the things that the credit card companies wish you will do and therefore the things to avoid at all costs. While some believe that these types of card will soon be a thing of the past, as they cost the credit card companies too much profit the more consumers get wiser and avoid the pitfalls, they seem to be here to stay.
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