Best balance transfer and 0% interest credit cards

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If you re buried under a big pile of credit card debt with high interest fees you may want to consider moving that debt over to a balance transfer credit card or a credit card with a 0% balance transfer APR promotion.

When to consider a balance transfer

If you have a big credit card bill that s slamming you with high interest fees every month, transferring the balance could save you hundreds of dollars. By allowing you to transfer the debt to a credit card with 0% APR (annual percentage rate) for a certain number of months, these types of offers can help you pay off your debt in a timely manner without having to pay interest.

A new report from NerdWallet reveals the cards with the best offers for transferring balances and 0% interest periods.

Best balance transfer and 0% interest credit cards

1. Chase Slate card: No balance transfer fee, 0% APR for more than a year

If you re trying to pay off a smaller balance, the Chase Slate card may be a good option for you to get your debt paid off and avoid high interest fees.

Some other benefits of this card:

  • Chase Slate is the only card on NerdWallet with a 0% balance transfer APR and no balance transfer fee for any transfers made in the first 60 days of opening the account.
  • The 0% APR period is more than a year.
  • No penalty APR if you get behind on payments.
  • People with average credit can apply for the card (scores of 630-689 or higher).
  • No rewards.
  • You can t transfer non-credit card debt or balances from other Chase cards.
  • Transfer limit: $15,000 (regardless of your credit limit).
  • According to NerdWallet, this is a great, cost-effective option for people with average credit who need to pay off a small amount of debt, since Usually, these high-value offers are only available to people with excellent credit, but you can qualify for this card with just average credit.

    2. Citi Simplicity card: Longest 0% interest period

    While this card does carry a balance transfer fee, it does have the longest 0% APR period of any cards on NerdWallet. This card may be a good option if you can t get your debt paid off in a shorter period of time (in which case, a card with a shorter 0% APR period and more rewards might be a better idea).

    Some other benefits of this card:

    • 0% APR for 21 months on purchases and balance transfers.
    • Annual fee is $0.
    • No late fees or penalty APR if you get behind on payments.
  • Allows you to transfer any kind of debt, including student loans and auto loans (as long as the account number is at least five digits long and doesn t include any letters).
    • Carries a balance transfer fee of 3%.
    • No rewards.
    • Requires excellent credit (credit scores of 720 or higher) to qualify.
    • Can t transfer balances from other Citi accounts.

    For more on balance transfer cards, check out the full report from NerdWallet.

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    Insurance Cancellation Letter

    Insurance Cancellation Letter is written to the insurance company when an individual does not want to continue to pay premiums to the concerned insurance company. Usually insurance company policies do not impose any restriction which prohibits the right for cancellation of the policy. Before drafting the letter it is necessary to review the information which is given with the policy so that right procedure is taken up for the cancellation of the policy. The procedure for cancellation is simple and it can be communicated through a letter to the concerned authority in the insurance company.

    Here are some sample letter of insurance cancellation along with the useful tips to help you write insurance cancellation letter for credit card or any other object for a client.

    Table of Contents

    Insurance Cancellation Letter Writing Tips:

    • Go through the policy carefully to know the correct procedure for cancellation.
    • Mention clearly that you would like to discontinue the payment of premiums and want to cancel the existing policy.
    • You should state that the charges regarding premium payments should be stopped with immediate effect.
    • Mention your policy number clearly so that it will be easier for tracking your previous payment records.
    • It is better if you can find out the name of the concerned authority so that the letter can be directly addressed to the concerned person.

    Insurance Cancellation Letter Template

    Use our free Insurance Cancellation Letter to help you get started. Simply download the .doc or pdf file and customize it. If you need additional help or more examples check out some of the sample letters below.

    _____________ ( your address)

    _____________ ( address of the person the letter is addressed to)

    Date: _________________ ( Date of which letter is written)

    Dear…….(name of the employee)

    I am writing this cancellation letter to withdraw my life insurance policy with your company. My policy number is …………… (Policy no.) And it should be effective from……….(mention date).

    I also request you to stop all charges related to the payment of premiums. The matter should be dealt with immediate effect and it should be processed within 30 days of this letter.

    I expect a quick action in this regard and any information related to the cancellation of this policy should be sent to me at the earliest.

    I request you to return the payments made during the tenure of this policy.

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    __________ (your name)
    __________ (your designation)

    Download Template (Doc and PDF)


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    13 Tips For Hiring The Best Moving Company

    Come May and you usually think about Mother’s Day, May poles, flowers and Cinco de Mayo. But did you also know that it’s the kick-off to the busiest time of year when most of us move to new homes? Yes, May is National Moving Month. So, put down your posies and pick-up those cardboard boxes. Better yet, before you start packing, now’s the perfect time to start planning a smooth move and the best way to do that is to hire a great and reputable moving company. Who knows, they may even end up doing the packing for you.

    I know, you were thinking you would just Google “moving company.” Sure you will find a zillion moving companies, but are you ready to hand over your baby grand piano or your prized 1977 go-go boots into any stranger’s hands? So, how do you choose the mover you can trust? One who knows how great you look in those boots and wouldn’t dream of letting anything happen to them? Well, aren’t you lucky because in honor of National Moving Month, here are some handy tips on what to look for when hiring a mover.

    First, when choosing a moving company, checking their reputation is crucial. A great reputation saves you time and money. And, a great reputation equals great rates. No one ever says: “oh yes, I LOVE this company since they just made me overpay for their crappy service.” So, if you take away only one tip: It’s to choose your mover based on reputation.

    How do you know who to trust with all your worldly possessions? (That unicorn collection really is one-of-a-kind and you would hate for something to happen to it.) Asking key questions not only uncovers a wealth of knowledge about the company and helps prepare you for moving day, but a little extra research can save you from a huge hassle in the long run. Here are some surefire questions to ask before hiring a mover:

    • How long has the moving company been in business?
    Experience counts and a track record shows their ability to deliver each and every time. For example, have they moved countless kids’ clay handprints and know they are simply irreplaceable? No amount of insurance is going to ever give you those back.

    • Are they licensed?
    If you are looking for a moving company to move you from state to state the moving company should have a US DOT number, which is a unique license number issued by the United States Department of Transportation. Make sure your mover’s DOT number is valid by searching it in this database. If you’re looking for a moving company to move your things in your own state they need a state license. In California, it’s a Cal T license.

    • Is the company insured?
    Verify that the company is insured on the same website you use to check their license number. Never use a moving company without a license number or insurance. Think underage unlicensed teenage driver at the wheel of a semi-truck. Not a good idea, right? Neither is an unlicensed or uninsured bunch of folks who call themselves a moving company or a group of dudes who really only do moving as a side job. Also, check to see if your personal items are covered during a move under your homeowners or renters policy. If not, you may want to consider supplemental moving insurance. Movinginsurance.com or moveinsure.com are good resources.

    • Have they won any awards or accolades for service? Can they show you any letters of recommendation?
    If they haven’t won any awards for service, chances are they aren’t going to win any awards from you. Remember a great reputation absolutely saves you money. NO ONE gives a glowing review to a company that over promised, under delivered and over charged.

    • Do they have any reviews online?
    Be sure to check out the company’s rating with the Better Business Bureau (BBB). Social media sites such as Yelp, Citysearch and TrustLink will also give you a look into other people’s experiences with the company. Make yelpers your new BFFs.

    • What do their rates really include?
    Low rates don’t necessarily mean a low final bill. Study rates! Are fuel charges incorporated? Also, just like the airlines, rates can vary based on season and days of the week. Will they give you a better rate if you move on a Sunday as opposed to a Monday? Repeat your new mantra: Great Reputation equals Great Rates. And repeat again: no one wins awards or great reviews when they overcharge!

    • Do you have any special consolidation policies or delivery windows?
    If you are moving out of state, ask the company to explain them in detail. Consolidation is when your belongings are combined with other people’s and shipped together. It’s a great way to save money, but be aware that it will add time to the delivery schedule because multiple stops for the other folks’ deliveries are made as your belongings travel across the country. Is the moving company forth coming about the fact that long distance moves almost always involve a delivery window not an exact delivery date? It’s better to know all this upfront so you can pack a suitcase that stays with you, you don’t want to start your new job in your gym shorts or pjs.

    • Will the moving crew wrap and protect your furniture to prevent damages? How many movers will be on the job? How long will the job take? Are there enough hours in the day? Will you be charged if there is overtime?
    By law a moving company can only give you rates on the phone not estimates on the phone. Does the moving company provide free on site estimates?

    • Are they active in the community? If they care about the community, chances are they will care about you and your move. They want to continue doing business in your town a long, long time. And, they aren’t just into one night stands but really want a committed relationship with your community and you, your friends and your family.

    • What sort of specialty experience do they have? Are they familiar with high rises and elevators?
    Additional men and equipment can mean surprising extra costs.

    • Do they measure doorways, stairways, elevators etc. in advance?
    Take pictures of them before the move so you can’t be blamed for any damage.

    • Do you know where you want everything to go?
    Measure all your furniture and all the rooms in your new home. Make a scale drawing of every room and scale cut out furniture. Think paper dolls for grown ups. Then figure out how you would like your furniture arranged in advance. Will it all fit? Do you love your new interior design? Having your mind made up before moving day will save you a lot of time while the movers are on the clock.

    • Lastly, does the moving estimator have any questions for YOU?
    If he/she hasn’t asked a single question, yet is ready to give an estimate, turn and run.