How a 39-year-old Denver project manager paid off $16,397 in credit card debt (and hasn't paid a cent in interest since)
doesn't have the typical 3% balance transfer fee when the transfer is made within the first 60 days. Being able to avoid this fee saved Lana about $492 right from the start.
Her advice for people using this debt payoff method is to plan on paying your old credit card bill for at least a month while the transfer is being processed and don't assume your balance will disappear right away.Once the balance transfer was complete, Lana still had about $6,000 left on her old credit card. Since it was still accruing interest at 11% APR, she prioritized paying it down right away.
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