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That relies upon. With a balance switch bank card, you may be able to get a 0% interest introductory offer for a set period of time. Should you pays down the steadiness before the intro offer expires, you may focus on placing more money towards your debt. But when you continue to have a steadiness when the intro provide expires, you’ll begin accruing curiosity at the card’s common price, which could be high. Steadiness transfer playing cards also can include fees, and you’ll usually need good credit score to qualify for one.