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If you're managing a short-term financial gap, paying interest temporarily can be OK. Calculate the costs when deciding whether to carry a credit card balance or do a balance transfer. Try to avoid ...

There are two things that make a huge difference in how credit card debt affects you — interest rate and debt-to-income ratio. Use a credit card interest calculator to see how much interest you’d ...

A friend of mine almost didn't do a balance transfer because of the $300 fee. He was nervous about paying that much up front -- totally fair. But once he ran the numbers and saw he'd save over $1,400 ...