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A 0% balance transfer is one of the few genuinely free lunches in personal finance — provided you treat the promo window as a deadline, not a discount. Between the transfer fee (typically 3-5%), the monthly payment you must keep making, and the interest that snaps back on the residual, the deal can quietly reverse on you. This calculator shows the fee, the repayment needed to clear the balance inside the window, and the cost if you don't.
fee + rate comparison
Usually a 3-5% one-time fee — on $10,000 that is $300-500 you pay before saving a cent of interest.
It jumps to the card's ongoing rate (often 20%+) — anything left is suddenly expensive. Always plan the payoff inside the window.
A hard enquiry and a new account dip your score slightly short-term; utilising less of your credit limits usually helps long-term.
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