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Balance Transfer Credit Cards for Fair Credit
If you have fair credit, there will be fewer credit card offers with a 0% interest on balance transfer than if you had good or excellent credit. But there are still cards with attractive offers. If you choose the right credit card to transfer your balance to, you can pay off your debt without incurring interest payments while also improve your credit rating with responsible behavior.
A fair credit score means that the offers available to you will have a shorter 0% APR term and higher fees than the offers available to people with better scores. Or you may find the offers with a lower than usual introductory APR on balance transfer with or without promotional period. People with a fair score will be turned down for offers that are above their credit rating, so it's important to apply for a card that matches your credit history.
A balance transfer fee will apply to each balance that you transfer from another card. These are usually around 3 to 4% of each amount. However it may become nothing in comparison how much you will save if transfer your balance to a low introductory APR credit card and pay off the debt.
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Pay no interest on balance transfer during the introductory period with a 0% intro APR on balance transfer. After the introductory period expires, the ongoing APR will apply.
No fee will be charged for the transferring balance.
Pay no interest on purchases made during the entire introductory period with a 0% intro APR on purchases. After the introductory period expires, the ongoing APR will apply.
No yearly fees will be charged for your card.
The card doesn`t have a rewards program.
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