A friend of mine almost didn't do a balance transfer because of the $300 fee. He was nervous about paying that much up front -- totally fair. But once he ran the numbers and saw he'd save over $1,400 ...

A 0% intro APR credit card can be a financial blessing or a debt trap. Here's what to avoid so you actually get ahead, not fall further behind.

Many people misuse 0% intro APR cards and rack up even more debt. Here's how to avoid the trap and actually come out ahead.