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	<title>Smart Balance Transfers</title>
	<link>http://www.smartbalancetransfers.com/blog</link>
	<description>The Balance Transfer Credit Card Resource</description>
	<lastBuildDate>Thu, 11 Mar 2010 22:44:03 +0000</lastBuildDate>
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		<title>The best credit card offers of 2010</title>
		<description><![CDATA[Creating lists of the best credit card offers is a popular past-time among credit card pundits.  However, there truly is no one size fits all &#8220;best credit card.&#8221;  Yes, some credit cards are significantly better than others.  But the best credit card for one individual may not be the right credit card for you.  Thus, [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/03/best-credit-card-offers-2010-777/</link>
			</item>
	<item>
		<title>Why the CARD Act has hurt you</title>
		<description><![CDATA[Around this time last year, the CARD Act was gaining steam in the legislature.  At that time, the Dow and S&#38;P 500 were touching decade lows and anger towards our nation&#8217;s banks was peaking.  Smelling blood in the water, Congress seized upon the populist backlash against banks and pushed through the reforms of the CARD Act [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/03/why-the-card-act-has-hurt-you-762/</link>
			</item>
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		<title>Your Credit Card’s Fine Print Can Hurt You</title>
		<description><![CDATA[Most of us who receive our new credit card in the mail do the same thing; call the activation number and peel off the sticker. Ready for use, right? Well, not if you want to risk activating a credit card that might not be what you applied for.
A credit card’s terms and conditions, part of [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/03/credit-card-fine-print-hurt-758/</link>
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		<title>Beware balance transfer credit card deals</title>
		<description><![CDATA[Recently, a number of consumers have reported issues with balance transfer deals offered to them by their current credit card companies.  One consumer recently informed Smart Balance Transfers that a balance transfer/cash advance check mailed to him bounced when he tried to use it.  Another consumer reported that she was offered a low rate balance [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/03/beware-balance-transfer-credit-card-759/</link>
			</item>
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		<title>Why Discover is the best credit card company</title>
		<description><![CDATA[During 2009, over 500 credit card complaints were posted on Smart Balance Transfers.  Of those 500, 2 were directed at Discover.  While other credit card companies were doubling or tripling interest rates, adding annual fees, and pushing consumers toward the brink of financial ruin, Discover was essentially conducting business as usual.  They treated their customers well and [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/03/why-discover-is-the-best-credit-card-company-757/</link>
			</item>
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		<title>0% Interest Balance Transfers Review</title>
		<description><![CDATA[In the months leading up to the recent implementation of the new credit card rules, credit card companies significantly reduced the length of 0% interest balance transfer offers.  Many companies that had previously offered 0% interest rates for a year reduced the average length to about 6 months, while most companies increased balance transfer fees [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/0-interest-balance-transfers-offers-749/</link>
			</item>
	<item>
		<title>Credit card balance transfers make cents</title>
		<description><![CDATA[If you carry a balance on your credit card, you are almost certain to save money by transferring your higher rate balance to a card with a lower interest rate.  With credit card interest rates sky-rocketing recently, you may be wondering what you can do to protect yourself and your money. It’s true that credit [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/credit-card-balance-transfers-cents-749/</link>
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		<title>Balance Transfer Credit Card Offers &amp; The Card Act</title>
		<description><![CDATA[With the CARD Act taking effect today, long term 0% balance transfer credit card offers may be one step closer to extinction.  Since the CARD Act began to gain traction in early 2009, credit card companies have been raising rates on their current customers while lowering the quality of available offers to new customers.  The primary [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/balance-transfer-credit-card-offers-744/</link>
			</item>
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		<title>Hello CARD Act, Goodbye to Good Credit Cards</title>
		<description><![CDATA[Today marks the first day that credit card companies must adhere to the CARD Act, and perhaps the beginning of the end of good credit card offers.  For over a decade, consumers with good credit have enjoyed low interest rates, 0% introductory rates lasting 1 year or more, and fee-free credit cards.  From the moment [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/hello-card-act-goodbye-to-good-credit-cards/</link>
			</item>
	<item>
		<title>How to stop credit card debt from adding up</title>
		<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 credit [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/how-to-stop-credit-card-debt-from-adding-up/</link>
			</item>
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		<title>Update to new Citi credit card annual fee development</title>
		<description><![CDATA[Recent feedback left by visitors of Smart Balance Transfers regarding new annual fees on Citi credit cards is providing a clearer picture of the situation.  At present, visitors are reporting that the annual fee is $60, is due to take effect in April, and that they have low balances on the card and very high credit [...]]]></description>
		<link>http://www.smartbalancetransfers.com/blog/2010/02/update-to-new-citi-credit-card-annual-fee-development-735/</link>
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