Don't assume a charge transfer deal will save money when merging debt. Look at the fine print. Usually there's an initial fee which you need to cover for (it can be tens of thousands of dollars), and there's usually a 12-month or 18-month limit to this offer. At that point the rate of interest will rise to more than it had been before. Do the math before you say yes to make sure that the deal works in your favor.

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