If the clients get Gift credit cards with a hefty balance carried over each month, they can think about shifting the debt to different other companies. Several provides offer 0% annual percentage rate on balance transfers of credit card. The initial period is of about 12 months as usual, even though some of the best credit cards for balance transfers credit cards offer interest free rates for a period of 13 or 15 months. And this technique provides the customers a viable option in which they have to pay off their debt without accruing interest.
If any individual suffers from debt anxiety, he must try to get a card charging 0% interest rate on balances for a beginning period and aim at paying off what he owes within that period of time. If this is unlikely to be workable, then go for a card that offers a low rate up to the time when the balance is cleared in full.
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