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Citi will begin to test balance transfer fees on chosen cards, so when applying for a card or making a balance transfer be sure to read carefully.

If you carry a balance on your credit card, you know it can be costly. Your finance charge is shown each month on your statement. Here is an opportunity for you to eliminate that monthly finance charge and begin applying more of your money towards your principal.

Balance transfers help you consolidate all of your credit card debt into one credit cards, thus reducing your interest rate and lowering your monthly payments. The new credit card company will send you checks in the mail to pay off your current credit card bill, or will ask you for the information and send payment to your desired credit card company for you. In either case, it is important for you to follow up and make sure payment is made. Also, be sure you continue to make your monthly payments until you have verified that your current credit card company has received the check from your new credit card company.

Citigroup, the leading global financial services company, has some 200 million customer accounts and does business in more than 100 countries, providing consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Major brand names under Citigroup's trademark red umbrella include Citibank, CitiFinancial, Primerica, Smith Barney and Banamex.

To encourage responsible borrowing amongst their card members, Citi will begin testing transfer fee's with a range of the credit card products starting september12th.So whenlooking to apply for a citi creditcard,be sure to read thoroughly if your chosen card is charging for balance transfers.div For more of you credit card needs don't hesitate to visit us at www.credit-wisdom.com.

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