"I think it's a great move as far as putting a plan together to pay off your debt," Kelly says. "Oftentimes, unfortunately, I see that good intentions are there, but then the debt isn't paid off and then the interest begins all over again in 18 months. And then it was a waste of an opportunity."
A balance transfer is when you move your balance from one credit card to another offering a lower or 0% annual percentage rate (APR) for a set period of time, usually six months to up to two years.
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