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Four tips when transferring credit card balances that help to make your credit situation improve. If you carry high balances on your credit cards with high interest rates then you might be a candidate for a balance transfer!

There are several tips that can help you to make a good balance transfer.

Tip 1: Check the teaser rates. Some credit card companies promise a great lower rate if you transfer a balance to their card. At first glance this sounds awesome, until 6 months later when the rate reverts back to a high percentage.

Uh oh...introductory rate is gone! Therefore, verify how long the rate will last.

Tip 2: Pay your monthly payments on time. Other than helping your credit rating, this will help you avoid the dreaded UNIVERSAL DEFAULT CLAUSE. Yes, this clause allows your creditor to change your rate to a higher rate if you are late even one payment on another credit card.

So....pay early or on time but NEVER late!

Tip 3: Watch out for transfer fees. When you transfer the balance be sure that your new creditor won't charge you a transfer fee. Or...if they do, make sure you understand how much and are agreeable to it.

"What, you charged me $200! Make sure you know about that money before you transfer!"

Tip 4: Tell your current creditor that you are transferring your balances to another creditor if they don't match the offered interest rate. Give your creditor the opportunity to lower your rate. Ask for it. They just might do it.

"Great, you are lowering my rate! I think I'll have to stay."

Try these tips and see how much additional money you might save yourself each month, year and decade!

Eric Paton works in the auto world. He has a Masters in Business Administration and is passionate about personal credit. Wish to learn more, feel free to visit http://www.thebizreview.org

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