After a surprise $5,000 expense, I used a balance transfer credit card to consolidate the debt. Why I considered a balance transfer credit cardI used a credit card interest calculator online to determine how much extra I'd pay if I kept the $5,000 balance with my current credit card. This prompted me to consider applying for a balance transfer credit card, so I started researching different credit card offers. A balance transfer is when you take your credit card balance from one card and transfer it to another card. A few other features I liked about this card included:No annual feeNo balance transfer fee (so long as you transfer your old credit card balance within 60 days)Free credit score monitoring and updates (powered by TransUnion)Extended warranty, fraud protection, and purchase protectionHow to transfer a credit card balanceThe process of transferring a credit card balance is actually easier than I thought.

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