Balance transfers can work out good, very good infact. If you are stuck on a card that has gone up to the 29.99% apr because of a missed payment transfering that balance to another card can save you in the long run.
There are some cards that have low apr for balances as long as the balance is paid off within a certain period of time, and even others that have a low apr for its life time. You just have to search for them.
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