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The interest rate for cash advances is often several points higher than the normal purchase interest rate the rate that is associated with everyday card purchases.What's the best way to transfer a balance? Know before you buy, and know before you pay. Your credit cards are no longer used for the sake of convenience, but because you don't have money. This could possibly improve your odds of approval. Most people do give a quick glance to what is referred to as the fine print. The program allows you to move around miles among Midwest, Continental and United Airlines. With huge debt piled up with interest rate charges imposed after introductory 0% APR rate period, credit card surfers will have to face snowballing debt once interest rate charges come into the picture.There are exclusive cards that offer their holders a huge array of benefits in exchange for a fee. Often, cards that help to rebuild credit come with low credit lines $250 or so and additional fees may apply application fees, etc. If you are looking at one that does, do some math to make sure that the benefits outweigh the fee you will be charged each year. They’ll tell you that a low, fixed-rate card is better than a variable rate credit card that starts low and then slowly creeps up its interest rate every year.Fixed-rate credit cards can change their terms in a few weeks' time, so there's no real protection from rate increases with a fixed-rate card, although my anecdotal observation is that fixed-rate cards tend to lag behind variable-rate cards in both rising and falling interest-rate environments.What could be better than a credit card deal with zero-percent interest? There is a lot of freedom that they are enjoying and learning to handle. Browse our Card Reports section and conveniently apply online to start reducing your interest charges.