Welcome to CREDIT CARD SMARTS!

Let's face it, in today's world your name is only as good as your credit. Maintaining your credit should be one of the most important things in your life. By browsing "Credit Card Smarts" you will learn beneficial credit tips that will help you build your credit score. Enjoy all of the information that you can obtain from this site.

If you have never had credit before and are finally ready to start building a credit history, this site can help you.

If you have had credit in the past and basically "screwed it up," you may need to re-establish your credit. Let "Credit Card Smarts" help you.

If you have good or excellent credit, we can still help you by sharing the most valuable credit card tips that you can find online. No matter what your situation is, you will greatly benefit from this site.

Are balance transfers worth it?

Transferring your balance can save you lots of money. You can transfer that high interest credit card you hold a balance on to a low interest credit card that may offer you 0.00% interest for up to one year. In many cases this will work for many people and is certainly worth it to save from paying all those high interest charges.

If you are going to pay off your balance in a few months or so though it would not be worth it to pay the balance transfer fee. You almost always are charged a balance transfer fee when transferring your balance. Do the math and see if it is worth it for you to transfer your balance.


Show/Hide Navigation