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Posted by / 01-Nov-2017 04:10

Consolidating debt into

However, a balance transfer card requires discipline to pay it off before the promotional rate expires, usually no more than 21 months.

The amount of credit card debt you can transfer is limited, typically no more than ,000.

The average credit card interest rate is around 15%.

By comparison, mortgage rates are currently in the 3–4% range.

You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.Many homeowners take cash out to pay off high-interest debt or make home improvements.Use our refinance calculator to see if you have enough equity to reach your financial goal.You’ll need a good to excellent credit score — above 690 — to qualify for most cards.Make a budget to pay off your debt by the end of the introductory period, because any remaining balance after that time will be subject to a regular credit card interest rate.

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The interest rate depends on your credit profile, and it usually doesn’t change during the life of the loan.