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Changing credit cards
Make the most of low interest offers
Make the most of low interest offers
One option for credit card holders who are struggling to pay off their balance is to switch provider.

Many credit card companies offer exceptionally low (or zero) interest rates on balance transfers. If you think you can pay off the debt within six months and the 0% offer applies for six months, it's an obvious step to take.

But for card holders who don't pay off the debt within that period the 0% rate will revert back to the normal rate.

Once that initial 0% rate has gone, the increased monthly repayments can soon outweigh the apparent benefit of that initial introductory offer. Banks are supposed to warn you before the introductory rate stops, but stay alert.
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