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	<title>Smart Balance Transfers &#187; Credit Card Debt</title>
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	<link>http://www.smartbalancetransfers.com/blog</link>
	<description>The Balance Transfer Credit Card Resource</description>
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		<title>Why You Should Not Carry Credit Card Balances</title>
		<link>http://www.smartbalancetransfers.com/blog/2012/01/why-you-should-not-carry-credit-card-balances/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2012/01/why-you-should-not-carry-credit-card-balances/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 10:02:12 +0000</pubDate>
		<dc:creator>Jeffrey Weber</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card balances]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=3704</guid>
		<description><![CDATA[Credit cards are useful, but potentially dangerous financial instruments. When used correctly, they offer security, benefits, and rewards that make them a vastly superior payment to cash, checks or debit cards. However, when using credit cards to incur revolving debt, there can be expensive drawbacks. The Dangers of Carrying Credit Card Balances Unlike a loan [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2012/01/why-you-should-not-carry-credit-card-balances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Benefits and Disadvantages of Balance Transfer Credit Cards</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/03/benefits-and-disadvantages-of-balance-transfer-credit-cards/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/03/benefits-and-disadvantages-of-balance-transfer-credit-cards/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 18:09:49 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[disadvantages]]></category>
		<category><![CDATA[introductory rates]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2236</guid>
		<description><![CDATA[Balance transfer credit cards can be a great tool to help manage out of control credit card debt. Good balance transfer cards come with 0% introductory rates that last anywhere from six months (not so great) to 24 months. Before opening a balance transfer credit card however, you should analyze the benefits and disadvantages of [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/03/benefits-and-disadvantages-of-balance-transfer-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get out of Credit Card Debt (and Stay Debt Free)</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/01/get-out-of-credit-card-debt-and-stay-debt-free/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/01/get-out-of-credit-card-debt-and-stay-debt-free/#comments</comments>
		<pubDate>Mon, 31 Jan 2011 17:05:13 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[get out of credit card debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2124</guid>
		<description><![CDATA[For better or worse, plastic has become the American way to pay for just about everything. After all, using credit cards is a great convenience and with the right card you can even get some fantastic rewards. However, for many people credit cards can lead to financial disaster.  Credit card debt is the easiest type [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/01/get-out-of-credit-card-debt-and-stay-debt-free/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>How Much Can You Save with a 0% APR for 21 Months</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/11/how-much-save-0-apr-21-months/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/11/how-much-save-0-apr-21-months/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 21:25:18 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% for 21 months]]></category>
		<category><![CDATA[21 month balance transfer]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1467</guid>
		<description><![CDATA[The most generous credit cards currently available to consumers carrying credit card debt offer 0% interest rates on balance transfers for 21 months. If you&#8217;re unfamiliar with balance transfers, this may not seem like a big deal. However, these are the longest 0% balance transfer offers that have been available in at least six years and [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/11/how-much-save-0-apr-21-months/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why you Should only Make the Minimum Payment on Your Credit Card</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/11/why-minimum-payment-credit-card/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/11/why-minimum-payment-credit-card/#comments</comments>
		<pubDate>Thu, 04 Nov 2010 20:34:21 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card minimum payment]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[minimum payment]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1455</guid>
		<description><![CDATA[At first glance the title above may seem odd. Everyone knows making the minimum credit card payment is going to keep you in debt for years. Everyone knows that because of high interest charges you&#8217;ll spend twice as much for the stuff you purchased if you pay only the minimums. In fact, because of the [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Credit Counseling vs. 0% Balance Transfers</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/09/credit-counseling-vs-0-balance-transfers-209/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/09/credit-counseling-vs-0-balance-transfers-209/#comments</comments>
		<pubDate>Mon, 20 Sep 2010 16:39:43 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[minimum payments]]></category>
		<category><![CDATA[www.nfcc.org]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1163</guid>
		<description><![CDATA[While balance transfers have saved the day for many people struggling with high interest credit card debt, they aren&#8217;t always a viable option. This is particularly true for people with extremely high credit card debt relative to their income and those whose credit scores have fallen below the range considered good. A visitor wrote in [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/09/credit-counseling-vs-0-balance-transfers-209/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Stop Credit Card Debt and Interest from Affecting Your Wealth</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/08/how-to-stop-credit-card-debt-and-interest-from-affecting-your-wealth/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/08/how-to-stop-credit-card-debt-and-interest-from-affecting-your-wealth/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 16:43:14 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[0% interest]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[balance transfer credit cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1129</guid>
		<description><![CDATA[Do you have significant credit card debt? If you’re like most Americans, you do. Even if you seem to have your payments under control, do you know how much you’re really paying in interest? Over the life of your credit card debt, interest can accrue at incredible rates and influence your savings more than you [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/08/how-to-stop-credit-card-debt-and-interest-from-affecting-your-wealth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Take Advantage of the Longest 0% Balance Transfers to Reduce Debt</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/08/advantage-longest-0-balance-transfers-reduce-debt-821/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/08/advantage-longest-0-balance-transfers-reduce-debt-821/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 16:13:09 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1109</guid>
		<description><![CDATA[A year ago, the longest 0% balance transfer offers lasted 12 months and many credit card companies were only offering 0% deals for 6 or 9 months. Today, there are two credit cards that offer a 0% APR on balance transfers for 15 months and one that offers a 0% APR for 18 months. These are among [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/08/advantage-longest-0-balance-transfers-reduce-debt-821/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reduce Credit Card Debt with Balance Transfers</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/07/reduce-credit-card-debt-balance-transfers-731/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/07/reduce-credit-card-debt-balance-transfers-731/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 18:38:46 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% balance transfer]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[reduce credit card debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1092</guid>
		<description><![CDATA[If you want to reduce credit card debt without paying a fortune in interest, 0% balance transfer credit cards can be an extremely helpful tool.  With a 0% balance transfer, you pay a small transaction fee and no interest for the length of the 0% interest period.  With current balance transfer offers lasting up to 18 [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/07/reduce-credit-card-debt-balance-transfers-731/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to stop credit card debt from adding up</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/how-to-stop-credit-card-debt-from-adding-up/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/02/how-to-stop-credit-card-debt-from-adding-up/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 17:00:57 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=826</guid>
		<description><![CDATA[Even if your credit card debt seems manageable, are you really aware of how interest payments affect your wealth in the long run? The cumulative effects of debt interest can impact your savings more than you think. Credit card debt is a fact of life for most Americans. In fact, one in three households carries [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/02/how-to-stop-credit-card-debt-from-adding-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Getting Out of Credit Card Rate Increases</title>
		<link>http://www.smartbalancetransfers.com/blog/2009/10/getting-out-of-credit-card-rate-increases/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2009/10/getting-out-of-credit-card-rate-increases/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 18:09:38 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=540</guid>
		<description><![CDATA[Earlier in the year, when credit card companies were raising interest rates into the stratosphere, I started advising consumers to get on the phone and politely annoy their credit card company into lowering their rates.  Many people who were slapped with interest rate increases were offered the chance to opt out of the rate increases [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2009/10/getting-out-of-credit-card-rate-increases/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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