There are so many options today for transferring credit card balances that you may never have to pay interest on any outstanding balance you owe. There are so many cards from which to choose that you never have to use a credit card on which you have to pay interest. At the end of the grace period, whether it is six, nine or twelve months you can simply transfer the balance to another card.

What about the Automatic Part?

Most people are unaware when their 0% financing runs out. The interest rate begins to rise and so does your monthly payments. The credit card companies bank on the fact that you will not keep track of when the grace period is over as this is how they make their money.

There is a website that does the work for you. If you apply for a credit card from their site they will allow you to enroll in an automatic credit card transfer service which is absolutely free. Once you have been approved for a credit card from their site you notify them and a few days before your interest free grace period expires, they will send you a reminder email. This way you can arrange to have your balance transferred to another 0% introductory period credit card so you can continue to pay no interest on your credit card balances.

What if My Credit History is Less than Stellar?

That will not be a problem as their have a number of cards that will fit the bill for those with little or no credit history, poor credit ratings and for those that are self employed. You can flip your balance as many times as you would like as there are so many credit cards looking for new customers and will offer low interest rates or 0% financing on any credit card balance transfers.

How to Begin an Interest Free Credit Card Balance Transfer

First you need to apply for an interest free credit card. At this particular site, you then sign up for the free alert service. It is not mandatory to sign up for this service but it is certainly in your best interest to do so. It makes no difference as to what credit card you are holding, they will alert you by email that your grace period is about to expire and will tell you of any new credit card that is offering a 0% or low interest rate introductory period so that you can transfer your balance in a timely manner.

This is a wonderful service and one that any credit card holder should look into if they would like to save money over the life of the outstanding balance. You will be able to pay off your existing balances that much quicker when you are not paying a penny of interest on them.