Balance transfer credit cards are a type of credit card that allow you to transfer the balance of an existing high-interest credit card or loan to a new card with a lower interest rate. This can help you save money on interest payments and reduce the amount of time it takes to pay off your debt. Many balance transfer credit cards offer an introductory period with a 0% or low interest rate on the transferred balance, which can last for several months. However, it is important to note that balance transfer credit cards often come with transfer fees and that the promotional interest rate may revert to a higher rate after the introductory period is over.

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