Balance Transfer Loans
In addition to charging purchases and cash advances, credit card companies may offer cardholders the option to transfer a balance from another credit card, or sometimes offer customers the option to use a check as a cash advance.
These options are often offered at a reduced interest rate, also known as a teaser rate. The teaser rate can be for an unlimited time, but is more likely of limited duration. For instance, a transfer option might be at a 5% rate six months, and if not paid off at the end of that period will revert to the normal interest rate on the account.
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