I am studying abroad in Arezzo, Italy from January-June 2009. I am looking for a new credit card that doesn't charge international transaction fees or at least has a low, low rate. Also, if there is one that has a zero-percent balance transfer offer that would be great. Thanks for the assistance!

On TV, there are many companies that say they can reduce our tax, such as reducing $ 12000 to $ 3000, and so forth. Are they real, and who can qualify for it? Must I have financial hardship? What if I have other asset such as car or house (in mortgage), then can I qualify? (I do owe credit cards for about $ 28000 from previous balance transfer offer they gave me). And also, do we need to declare bankruptcy or will it affect our credit scores? Thanks very much!

I asked this a while back and phrased it poorly, so let me try again. I have a Capital One offer to transfer up to $ 20K to a fixed APR FOR LIFE at 5.99%. From the 3 cards I carry, they total about $ 25K total. There is no annual fee, & NO transfer fee which surprises me (since it's typically 3% of the transferred amounts). This sounds like a pretty good deal, with a regular APR of 11.99% on purchases, although I'd plan not to use this card for any other means than to pay it off (feel free to laugh). Since the minimum payment each period is 3% of the total, or about $ 600 min, it's less than I currently pay in total for the 3 cards, but I would plan to pay $ 1K per month. Is this a good idea to do? My offer expires on 10/27. Does anyone know how to calculate future payments? Say I have a $ 20K balance at 5.99% APR. I make payment 1 at $ 1K... how could I calculate my next payment based on the APR & a new pre-APR balance of $ 19K? Thanks!!

Got a BofA Visa Platnum card to build credit, I was issued a 2.5k limit, and a 0% APR Until Feb 2008 I am currently at 1.5k balance, I have no worries on paying it off, My Question is the following; I was given an offer from BofA that if I write off a Check issued from the Credit Card, My APR of 0% Would be extended until November 2008 for Balance Transfers and Checks ( I am still responsible for the 3% Fee or $ 10.00 which ever is greater) I am eager to take advantage of this offer, which seems pretty sweet. My College Bill is $ 1k out of my pocket, If I make a payment to BofA for $ 1k (Thus making my balance $ 500) and I write a check for $ 1k (yes I would be paying a $ 30 fee) and I make a payment of $ 500 before the Feb Closing date, (assuming I stop using the Credit Card) Making All Credit Card Balances to $ 0 and Check Balances to $ 1.5K, would I still incur interest, even though I have 0% Interest on Checks, and I paid off the balances on the credit cards.. Seems long.. BofA is short for Bank Of America

Okay...so I pay a little bit more then the minimum fee every month and my balance still never seems to go down!!!! Last month I paid $ 100 and my balance only went down about $ 30! All the rest went to finance charges. I'm living pay check to pay check and I can't afford to pay much more than that. This card is killing me! I asked the company (WaMu...previously Providian) to lower it. But they said no. I've gotten denied for other "blance transfer" offers I see online. But my credit is decent (about 670). I owe about $ 3500 on it and I've been stuck at that amout for months. And I don't even use the card anymore. Does anyone know of any good card i can do a balance transfer on? Or any program for smaller debt relief? I feel so hopeless.

I already have a balance with that financial institution at 2 different interest tiers. Will I come out ahead by using this to pay off a high interest (17%) debt and then put the money I would be paying toward the higher interest debt into paying off the new balance? How does it work with paying off interest tiers? The debt would look like this: $ 1500 at 0%, $ 2,157.97 at 3.99% and $ 2,157.97 at 13.24%. I know I have to pay off the top tier first while interest accrues on the bottom tiers. Is it worth it? I want to be able to pay this off in about 3 years or less and also save on interest in the long run.

Im thinking of getting a Nordstrom's Visa Signature Credit Card, but I was wondering if I can get an additional card for my daughter? And also, do they allow balance transfers from a different credit card? It doesn't state it in the application, or anywhere on the website! I was wondering if any of you have been through the process! I appreciate your help. Thanks!

I have Bank of America, & whenever I make a transaction that exceeds what I have in my checking account, it automatically transfers money from my savings into my checking account to cover the difference. I get charged a $ 10 "Overdraft Protection Transfer Fee" fee every time it does this. This I understand & am OK with. HOWEVER now my bank statement shows a $ 12 fee & it says "THIS FEE WAS CHARGED BECAUSE YOUR ACCOUNT'S MINIMUM BALANCE DURING THE MONTH WAS $ ___ ON 10/21 & THE ACCOUNT HAD 4 EXCESS WITHDRAWAL(S)." The excess withdrawals that they are referring to are the transactions where I didn't have enough in my checking so they transferred $ $ from my savings to my checking and charged me $ 10 for. And the amounts that were transferred from my savings to my checking were no more than $ 100 each time What I don't understand is why they are charging me $ 12 ON TOP of the $ 10 they already charged me?? I feel like they are cheating me, should I call them tomorrow and complain? This fee makes no sense to me!

I got an offer from my bank telling me to do a balance transfer from other high intrest credit cards at 0 % for one year.I s it a good thing? whats the catch?

I have held a Tessa (now ISA) with the same lender for a number of years, now valued at over £42000. I now find that the rate being offered is not very competitive (4.85% variable). What are my options?