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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Thursday, September 17, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>La destreza de primavera no tiene que sujetarse a su hogar. Asimismo puede solicitar sus finanzas, una idea especialmente buena si aún tiene una deuda persistente de las recreo.</p>
<p>Más de 1 de cada 4 consumidores (27 por ciento) dijeron que planeaban endeudarse esta temporada de recreo pasada al sobrellevar un saldo de maleable de crédito o usar una negocio ahora, respaldar más tarde (BNPL) Servicio, encontró la indagación de compras de recreo tempranas de Bankrate. Si sus oídos se están quemando repentinamente, ahora es un buen momento para descubrir sus próximos pasos.</p>
<p>Una maleable de transferencia de saldo puede ser una excelente opción, en las circunstancias correctas. Este tipo de maleable de crédito lo ayuda a dosificar intereses mientras trabaja para respaldar la deuda. Dicho esto, ninguna alternativa es universal. Invencemos cómo una transferencia de saldo puede iniciar su destreza de primavera financiera ayudándole con su deuda de recreo y qué considerar antaño de usarla.</p>
<h2 id="help">Cómo una maleable de transferencia de saldo puede ayudar con la deuda de recreo</h2>
<p>Una maleable de transferencia de saldo viene con un período introductorio durante el cual el emisor no cobra intereses sobre el saldo que se mueve de una maleable diferente, o múltiples tarjetas. Por lo normal, paga una tarifa de transferencia de saldo por cada saldo, pasa a la maleable (generalmente entre el 3 y el 5 por ciento del monto transferido).</p>
<p>Algunas de nuestras tarjetas de crédito favoritas ofrecen un 0 por ciento de APR con períodos introductorios de casi dos primaveras en transferencias de saldo. Por ejemplo, la maleable Citi Simplicity®* actualmente ofrece un 0 por ciento de APR para 21 meses en transferencias de firmeza (una variable APR de 18.24 a 28.99 por ciento a partir de entonces). Del mismo modo, la maleable Wells Fargo Reflect® proporciona el 0 por ciento de APR de ingreso para 21 meses desde la transigencia de la cuenta en transferencias de saldo calificadas (17.24, 23.74 o 28.99 por ciento de variable APR a partir de entonces).</p>
<p>Digamos que su clan gastó $ 1,000 en viajes de recreo y otros $ 1,500 en regalos. Fue un buen momento, pero ahora tiene un saldo de $ 2,500 en su maleable de crédito con una tasa de interés del 20 por ciento. Según su presupuesto, solo puede vestir $ 150 en facturas de tarjetas de crédito por mes.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/cuanto-tiempo-debe-mantener-una-tarjeta-de-credito-abierta" target="_self" rel="dofollow" class="u757cf4fd95351bdaf7d5e2b2d917b6c9"><!-- INLINE RELATED POSTS 1/3 //--><style> .u757cf4fd95351bdaf7d5e2b2d917b6c9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u757cf4fd95351bdaf7d5e2b2d917b6c9:active, .u757cf4fd95351bdaf7d5e2b2d917b6c9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u757cf4fd95351bdaf7d5e2b2d917b6c9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u757cf4fd95351bdaf7d5e2b2d917b6c9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u757cf4fd95351bdaf7d5e2b2d917b6c9 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u757cf4fd95351bdaf7d5e2b2d917b6c9:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Cuánto tiempo debe mantener una tarjeta de crédito abierta?</span></div></a></div><p>Si se queda con su maleable y se asegura de no juntar nuevas compras, le llevará 20 meses respaldar la deuda. Asimismo pagará $ 453 en intereses.</p>
<p>Si mueve el saldo a una maleable que ofrece 21 meses de 0 por ciento de APR en transferencias de saldo, eliminará la deuda en 18 meses. No debe ningún interés sobre este monto, pero aún pagará la tarifa de transferencia de salales. Por ejemplo, si es un 3 por ciento, tendrá que respaldar $ 75 para transferir $ 2,500. Eso sigue siendo $ 378 en ahorros, en comparación con el primer círculo.</p>
<p><strong>Aquí hay un ejemplo de sus ahorros</strong>*:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td></td>
<td class="has-text-align-center" data-align="center"><strong>Sin transferencia de saldo</strong></td>
<td class="has-text-align-center" data-align="center"><strong>Con transferencia de saldo</strong></td>
</tr>
<tr>
<td><strong>Interés y/o tarifas</strong></td>
<td class="has-text-align-center" data-align="center">$ 453</td>
<td class="has-text-align-center" data-align="center">$ 75</td>
</tr>
<tr>
<td><strong>Tiempo total para respaldar</strong></td>
<td class="has-text-align-center" data-align="center">20 meses</td>
<td class="has-text-align-center" data-align="center">18 meses</td>
</tr>
<tr>
<td><strong>Monto total pagado</strong></td>
<td class="has-text-align-center" data-align="center">$ 2,953</td>
<td class="has-text-align-center" data-align="center">$ 2,575</td>
</tr>
</tbody>
</table>
</div>
<p class="text-sm text-slate"><em>*Basado en un saldo de $ 2,500 en una maleable de crédito con un APR de $ 20% y una maleable de transferencia de saldo que ofrece 21 meses de 0% APR en transferencias de saldo y una tarifa de transferencia de saldo del 3%</em></p>
<h2 id="nohelp" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Credit Cards, Balance Transfer" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Spring clean with balance tranfers" data-outcome="">Cuando una maleable de transferencia de saldo podría no ser la opción correcta</h2>
<p>Una maleable de transferencia de saldo puede ser una gran alternativa si está buscando respaldar la deuda de la maleable de crédito más rápido, pero ninguna alternativa es perfecta para todos. Puede ser mejor agenciárselas otras opciones en ciertos escenarios. Como:</p>
<h3>Si necesita seguir usando su maleable</h3>
<p>La mayoría de las veces, una transferencia de saldo solo tiene sentido si deja de cobrar su maleable de crédito. De lo contrario, simplemente seguirá agregando a su deuda. Eso significa que tendrá que dividir el presupuesto de plazo de su maleable entre el saldo transferido y el nuevo.</p>
<p>Tal situación es una forma rápida de poner en peligro los esfuerzos de reembolso de su deuda. Por esa razón, si confía en su maleable de crédito para sus gastos diarios, una transferencia de saldo podría no resolver su deuda de recreo.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/deberia-transferir-un-prestamo-para-automovil-a-una-tarjeta-de-credito" target="_self" rel="dofollow" class="u046bdfc61dfec6f11179678905cacea4"><!-- INLINE RELATED POSTS 2/3 //--><style> .u046bdfc61dfec6f11179678905cacea4 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u046bdfc61dfec6f11179678905cacea4:active, .u046bdfc61dfec6f11179678905cacea4:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u046bdfc61dfec6f11179678905cacea4 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u046bdfc61dfec6f11179678905cacea4 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u046bdfc61dfec6f11179678905cacea4 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u046bdfc61dfec6f11179678905cacea4:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Debería transferir un préstamo para automóvil a una tarjeta de crédito?</span></div></a></div><h3>Si su deuda no es un problema de &#8220;recreo&#8221;</h3>
<p>Es liviana de endeudarse con todos los gastos de recreo. Sin confiscación, si ha estado luchando con sus facturas de tarjetas de crédito por un tiempo, la deuda de recreo podría ser un huella de un problema veterano.</p>
<p>Una transferencia de firmeza aún puede adaptarse a su situación, pero debe ser honesto consigo mismo para determinar si lo hace. ¿A menudo gastas demasiado impulsivamente? ¿Tiene dificultades para mantenerse al día con las fechas de vencimiento del plazo? Tales cosas pueden ser signos de que su deuda está fuera de control, y una transferencia de saldo podría ser una mala idea.</p>
<h3>Si su crédito necesita trabajo</h3>
<p>Por lo normal, las tarjetas de transferencia de saldo requieren un crédito bueno a excelente. Si su puntaje de crédito está en el extremo inferior, existe la posibilidad de que el emisor niegue su solicitud de maleable.</p>
<p>Teniendo en cuenta un parada saldo de maleable de crédito puede afectar negativamente su puntaje al aumentar su relación de utilización de crédito, esto puede parecer un poco injusto. Pero no se preocupe: hay otras soluciones que puede considerar.</p>
<h2>Qué hacer si una maleable de transferencia de saldo no tiene sentido</h2>
<p>Antiguamente de solicitar una maleable de transferencia de saldo, considere otros pasos que puede tomar para respaldar su deuda de recreo.</p>
<h3>Principio con lo primordial</h3>
<p>Es casi inverosímil encontrar un plan sólido hasta que haga las bases. En este caso, comienza con su presupuesto.</p>
<p>Eche un vistazo de cerca a sus ingresos y gastos. Piense en las formas en que puede compendiar algunos de sus gastos para dirigir más moneda alrededor de el reembolso de la deuda. Si el proceso se vuelve demasiado complicado, considere descargar una aplicación de presupuesto para obtener una visión más clara de sus finanzas, y vaya desde allí.</p>
<h3>Elija un método de reembolso de la deuda</h3>
<p>Si la temporada de recreo lo ha dejado con múltiples saldos, es posible que deba tomarse en serio su organización.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/la-tarjeta-preferida-de-ink-business-tiene-una-nueva-bonificacion" target="_self" rel="dofollow" class="u4b7ab4000ab2a9468bc821e22ca32f42"><!-- INLINE RELATED POSTS 3/3 //--><style> .u4b7ab4000ab2a9468bc821e22ca32f42 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4b7ab4000ab2a9468bc821e22ca32f42:active, .u4b7ab4000ab2a9468bc821e22ca32f42:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4b7ab4000ab2a9468bc821e22ca32f42 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4b7ab4000ab2a9468bc821e22ca32f42 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4b7ab4000ab2a9468bc821e22ca32f42 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u4b7ab4000ab2a9468bc821e22ca32f42:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">La tarjeta preferida de Ink Business tiene una nueva bonificación</span></div></a></div><p>Una forma de invadir esto es con el método de la avalancha de deuda. Su objetivo es ahorrarle la veterano parte del moneda pagando menos en intereses. Para hacerlo, prioriza el plazo de su saldo de interés más parada primero.</p>
<p>El método de patraña de cocaína de deuda, por otro flanco, apunta a sus saldos más bajos. De esta forma, reducirá la cantidad de saldos más rápido, lo que puede mantenerlo motivado.</p>
<p>En entreambos casos, aún debe realizar pagos mínimos en todas sus deudas.</p>
<h3>Investigue préstamos personales</h3>
<p>Una maleable de transferencia de saldo no es la única aparejo de consolidación de la deuda. Puede reemplazar la deuda de su maleable de recreo con un préstamo personal. Es posible que pueda obtener una tasa de interés fija más desvaloración que la que cobra su maleable. El monto de su plazo igualmente seguirá siendo consistente, lo que permite una planificación y seguimiento más liviana.</p>
<h3>Apañarse ayuda experta</h3>
<p>Si su deuda de recreo le ha hecho darse cuenta de que tiene un problema veterano, está adecuadamente agenciárselas ayuda. Un asesor de crédito certificado puede analizar su situación y ayudarlo a crear un plan realista, a menudo a un bajo costo o de forma gratuita.</p>
<p>Para encontrar una agencia de asesoramiento de crédito sin fines de rendimiento, verifique medios como la Asociación de Asesoramiento Financiero de América o la Fundación Doméstico para el Asesoramiento de Crédito.</p>
<h2>El resultado final</h2>
<p>Una maleable de transferencia de saldo puede ayudarlo a comenzar su destreza de primavera financiera y dosificar en intereses cuando pague su deuda de recreo. En algunos casos, igualmente le permite deshacerse de la deuda más rápido. Aún así, asegúrese de considerar otras soluciones igualmente. Si adecuadamente una transferencia de firmeza ofrece muchas ventajas, no es ideal para todos.</p>
<p class="text-sm text-slate"><em>*La información sobre la maleable Citi Simplicity® ha sido recopilada independientemente por Bankrate. Los detalles de la maleable no han sido revisados ​​ni aprobados por el emisor. </em></p>
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-07-10T17:21:08+00:00" >July 10, 2026</time></span>                                                                                                        </span>
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                        <a href="https://financesnewsonline.com/category/tarjetas-de-credito" class="td-post-category" >Tarjetas de Crédito</a>                        <div class="td-module-thumb"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" class="td-image-wrap " title="Cómo construí mi crédito con una tarjeta de crédito" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i1.wp.com/www.bankrate.com/brp/2024/10/07144757/Cards-How-I-built-my-credit-with-a-credit-card.jpg?w=696&resize=696,0&ssl=1"  ></span></a></div>                                                                    </div>
                
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" title="Cómo construí mi crédito con una tarjeta de crédito">Cómo construí mi crédito con una tarjeta de crédito</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-19T01:03:43+00:00" >June 19, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-f713d0 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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