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2. Need a New Year’s money makeover? A balance transfer credit ...

   www.aol.com/finance/money-makeover-balance...

   A balance transfer is when you move credit card debt from a card with a high interest rate to one with a lower interest rate—or even a card that offers a 0% APR for an introductory period of time.

3. Which cards still offer a 21-month intro APR? - AOL

   www.aol.com/finance/cards-still-offer-21-month...

   The Wells Fargo Reflect Card also offers a 21-month 0 percent intro APR on qualifying balance transfers made within 120 days of account opening, but it goes a step further and offers that same ...

4. How to choose a balance transfer credit card - AOL

   www.aol.com/finance/choose-balance-transfer...

   Let’s say you have $1,000 left on your credit card at the end of your introductory offer. If the regular APR is 24 percent and you decide to pay $100 per month until your balance is 0, it will ...

5. How to Find a Fixed-Rate Credit Card - AOL

   www.aol.com/news/fixed-rate-credit-card...

   What Are Fixed-Rate Credit Cards? Most credit cards today have a variable annual percentage rate, meaning the interest rate will go up or down based on the benchmark rate, such as the prime rate. ...

6. What is APR on a credit card? - AOL

   www.aol.com/finance/apr-credit-card-190100668.html

   Further, fixed-rate credit cards are becoming harder to find. More often than not, your credit card has a variable APR expressed as a range — such as 17.24 percent to 29.99 percent.

7. How to maximize your 0% APR credit card and avoid debt traps

   www.aol.com/finance/maximize-0-apr-credit-card...

   Debt to pay off. Monthly payments. Time to pay off. Interest/fees paid. Card with 15-month intro APR offer. $5,150 (principal balance + BT fee) $300. 17. $150 BT fee, $12.23 in interest