If you’ve been praying for a miracle and urgently need relief from debt stress, credit card balance transfers may be the solution you need. Introductory offer cards are successfully used by card providers as a marketing strategy to attract new customers.

These lenders know that many people will transfer their balances to interest-free introductory offers and that most will keep the new card and pay full interest at the end of the special offer period. The good news is that you don’t have to do this if you don’t want to. There’s really no reason why you can’t transfer your balance to another zero or low rate card at the end of the introductory period.

Transferring a credit card balance to zero-rate introductory cards can save you hundreds of dollars per month. Instead of struggling to pay bills, your money will be diverted from lenders to basic family needs. You also get enough breathing space to get organized and make new financial decisions. This is a great time to create a workable budget and learn how to live within it so you can avoid future debt. Just be sure to include emergency savings in your budget so you don’t have to raid your account into a bind.

One of the best uses for a credit card balance transfer is to use as much of your interest savings to pay off your balance as possible. If you transfer your balances to an introductory offer card with a long zero interest period (say, twelve months), you’ll be in a good position to reduce debt. The more money you can afford to pay off your debt, the better off you will be. At the end of the introductory period, you can either choose to roll your balance back, refinance with a low-rate personal loan or start paying the normal interest rate on your balance.

Credit card balance transfers are excellent ways to change your financial fortunes. However, you still need to choose the best possible deal. It is important to choose a card with low balance transfer fees and low annual fees and costs. It’s also a good idea to avoid transferring your balances to a card with a very high late payment penalty. After all, things can go wrong for all of us sometimes and payments can be late.

The most efficient way to locate and apply for credit card balance transfers is to use online services. All-in-one niche sites have done a lot of the work for you. They give you a small selection of the best deals to choose from, making it easy to compare the alternatives. These comprehensive websites also allow you to apply online which makes the whole process very user-friendly. With such an effective credit card debt solution available for free, there is really no reason for you to keep struggling. It’s easy to feel stuck in financial stress with no sign of help, but don’t let those feelings stop you from taking action. You can change your situation simply by using a high quality introductory offer to get a lot of money back in your pocket every month.