2. Second, you have to find a card that has a great rate and/or best benefits for you. For instance, if you will pay off balance every month but travel a lot then you might want to consider a card with a higher interest rate that gives more frequent flier miles since you will not be affected by interest rate when you can’t pay off credit card balance every month. On other hand, if you can’t pay your balance every month, you should consider card with a lower interest rate.

3. Once you’ve found an appropriate card, you should make a commitment to pay your balance responsibly. That is, you should only charge amount that you can realistically pay in a month or so and make a point not to rack up a ton of credit card debt.

4. You should really try and avoid using your credit card to get cash advances. This is because most companies charge cash advance fees which could hurt you. However, an exception to this would be if you have an emergency and need to handle a cash crunch then you should use least amount possible.

5. Review your statements as soon as you get them to evaluate interest rates. Make sure that you don’t see any errors and if you do then report them right away.

In conclusion, you shouldn’t feel guilty about using your credit cards to help you start or finance your fledging web business. Instead, you should use above-mentioned tips and use your cards responsibly so that they continue to be a blessing when you need them!

6. Read and then reread credit cardholder agreement a couple of times. Make sure that you understand all of jargon and if you don’t, find someone that does before you sign it. Review it closely to make sure that you are getting best deal possible. For instance, when evaluating deals, you should ask yourself these questions: a. How long does introductory rate last? b. What will be rate after teaser expires? c. What are cards annual fees? Can they be waived? d. Are there any transfer fees that you should be aware of? e. Are there any perks that are offered? (Ex. frequent flier miles, free gifts, etc).

7. Once you’ve decided on an offer, fill out your application fully and get it in mail as soon as you can.

8. Once you get offer, make sure that it is a 0% teaser rate and if it isn’t, then contact company right away. If they aren’t open to doing so then tell them that you’re cancelling card and look for another company that delivers what they promise. Your primary goal is avoid old “bait and switch” while simultaneously saving money on interest.

9. While waiting for your new card, make sure that you continue to pay on your old card to avoid glitches in your credit report and once you receive notification that transfer has been made, make sure you contact old company and make sure that they received payoff amount.

10. After teaser rate is up, don’t be afraid to jump from one credit card to another after teaser expires. You see, there is absolutely nothing wrong with surfing cards and taking advantage of 0% offers whenever you possibly can. Just keep finding and researching great deals.

That’s it my friend. Credit card transfers don’t have to be so confusing and daunting. If you follow above mentioned steps then you can and will win balance transfer rate and stop throwing your hard earned money down drain.