No money or creditcard sex sites

But while such transfers can be effective when used judiciously, they do have potential pitfalls.

Credit card issuers know they can attract new customers by tempting them with zero percent interest deals for a period of time.

While a zero percent offer sounds good, realize that it won't last forever.

Most of these "teaser" rates last for about six months; some may be as brief as three months.

Instead of making multiple payments to several credit card companies, it may be easier to combine or consolidate your debts onto one card.

This way, you only have to worry about paperwork and payments for a single account.

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