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A balance transfer is where you shift existing credit card debt to another card which charges a low rate of interest or even 0% interest, helping you to save money. Before You Transfer a Credit Card Balance. Make sure you keep up with all of your payments. Understand all of the terms and conditions of the balance transfer.

The advantages of prepaid debit cards include being safer than carry cash, worldwide functionality due to Visa and MasterCard merchant acceptance, not having to worry about paying a credit card bill or going into debt, the ability for anyone over the age of 18 to apply and be accepted without regard to credit quality

It depends on what you mean by ideal. Most people will be just fine with two major credit cards. One should be a low-rate card for times when you must carry a balance, and the other should be a card with a grace period. No annual fee is ideal, unless you plan to use the card heavily to earn some type of reward. If thats the case, weigh the cost of

The Visa Gift card is a "non-reloadable prepaid" card, meaning the initial value is set by the person who purchased the card. Additional funds cannot be added later. The Visa Gift card carries the Visa logo like any other Visa card, so it can be used at the millions of places that accept Visa cards, including online.

Credit cards can be a convenient way to pay for products easily. If used sensibly, they can help spread the cost of big purchases, earn cashback and loyalty points, give you consumer protection, and they could even help cut the cost of any existing debt you may have.

This will depend on the deals you qualify for and arrange, and on the way you handle the debt. In the most general terms, loan rates tend to be lower than the rates on credit cards, but with deals such as 0% credit cards you may find a more efficient way of handling your debt.