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If you have a credit score that runs along 620 to 659 then that means that you have fair credit status. Being in such complex credit standing, you might find yourself in a very difficult position. Banks and financial institutions do not consider you as a good payer yet you are not a bad payer at all according to your past credit history. People with fair credit status are usually the ones that have been badly affected by the last economic recession or those who have experienced financial hardships in the past because of sudden unemployment or have suffered certain illnesses. And for these reasons, people are turning from responsible payers to late payers hence giving them a complicated credit status. If you are one of these unfortunate people and you have existing credit card balance that you cannot pay in cash, you might want to rethink about your current situation. If you are not in the position to make payments more than the minimum amount then consider balance transfer offers. This is the fastest road to take if you want to get rid of your debts at the same time to fix your current credit standing. If you currently have credit card debt and are not capable of paying more than the minimum amount, your debt will continuously increase and as time goes by it will get harder and harder to pay. Balance transfer offers on the other hand allow you to transfer your balance to another credit card at zero or a relatively lower interest charges. So the amount that you have to pay will immediately stop accruing higher interest as soon as you made the transfer. And the best thing about this is that most of these cards offer to divide your balance in 12 monthly installments at the most. If you are lucky to find a card that offers 0% balance transfer then you better grab it right away, so you won’t have to go from fair credit to bad credit status. Finding Fair Credit Credit Cards Fair credit credit cards are widely available online. These cards are especially meant for people like you who suddenly experienced financial hardship. Fair credit credit cards have substantially lower interest rates if you compare it to bad credit credit cards or even no credit credit cards because you have a fair credit history and at some point you are a responsible payer except that you may have experienced some unfortunate events in your life. However, if you compare these cards with traditional cards, they may have relatively higher interest rates but most credit cards companies have introductory offers, which you can take advantage of. These introductory samples usually have low to zero interest rates, which is just perfect if you currently have piled up credit card debts. You can transfer your current credit card balance to this card simply to prevent them from acquiring high interest rates and other possible charges. Your balance would then be divided into installment basis, which allows you to pay your debts faster. And as you zero out your credit balance every month, you fair credit score will gradually move up to good credit status. So in other words, getting a balance transfer offer is like hitting two birds with one stone. But you have to take note that you need to make payments in timely manner. You cannot miss a single payment as this will earn you lots of trouble. First of all, your credit score will significantly decline. On top of that you will be charged with a series of penalties. With a specialty card like this, being a responsible payer is a must. If you are looking for balance transfer offers, simply click on this link credit-land.com for more information. This company provides all types of credit cards for different purposes. It does not matter if you have poor credit rating fair credit rating or are simply looking for special card promotions, this company offers them all.
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