Today more than ever the credit card companies really need to fight for your business. This has helped the consumers out with the numerous 0% credit card offers that come in the mail everyday. Having a 0% APR credit card is a good way to save money and pay down your outstanding debt faster and help your credit score.

The companies we recommend are:

• Chase Platinum Credit Card (0% fixed APR for up to 12 months)
• Discover Card® (0% Introductory APR - Balance Transfers for 12 months)

Many, if not all of these offers allow you to transfer the balance of your current credit cards to the new zero percent interest account. Instead of spending money in interest payments every month your payment will go for the full amount of the balance. Which intern will help you pay down your credit card account faster. The one trick with these offers is, you must make your payments on time. Many of the 0% credit cards offers are void the minute you are late on a payment.

In 2003 I had 7 credit cards and most of them with interest rates more than 14%. My average balance on each card was around $1,700.00. I had $11,900.00 in credit card debt and was paying an average of $168.00 per month in interest. A friend of mine mentioned she had a new Discover Card® that had a 0% APR period. I applied and received my Discover Card right away. I was able to transfer my credit card balances to my new credit card, which was interest free for 12 months. I saved over $2,016.00 that year in interest and was able to pay down my credit card debt faster.

The only problem is you have to have discipline and not charge up the credit cards where you transferred the balances from. Many people get that urge to go on shopping sprees and charge up those cards again. You absolutely cannot do that, the cards must be put away.

Credit Repair Tips:

• Have you found yourself in trouble with your creditors? Credit repair is tough but can be done, if done the right way you can repair your credit in just under a year if not sooner. With the right information and repair tips you can find yourself on your way to a successful future. Information provided can be used to fix your credit and keep you self clear of any future mistakes.
• You should obtain three credit reports, with this vital information you can begin the steps in repairing your credit. Getting three different reports will show you everything you owe to each creditor.
• The next step should be reviewing the credit report and identifying the bad things. Now that you can see what you need to fix you can promptly do this. Getting an accurate credit report is very important to finding what needs to be fix, so spare no expense when getting a credit report.
• Get a hold of the credit bureaus and then dispute what problems you have, sometimes there may be something that is on your credit report that may not have been caused by you. Disputing the charges often leads to the creditors dropping the charges.
• Disputing the charges make the items either corrected or removed, if the item was not verified then it is removed. It always pays to double-check your credit report; this is vital to repairing your credit.
• Negotiating is also a great tip when talking with collection companies or creditors, voice your opinion and let it be heard. If you don't speak up then you can never be heard, negotiating can also help fix your credit.
• The time of year in which you send the disputing letter is also a factor, if you send a letter around the holidays there may be a delay in verifying process. This makes it possible for them to just approve it instead of investigating the whole item at hand.
• The (CROA) Credit Repair Organization act helps you as a person repairs your credit. Understanding what helpful information you can use will be beneficial when sending a dispute letter. Don't let your hard earned cash go out the window because you didn't know the law.