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Just last night I was talking to my cousin about transferring our existing credit cards into a single account that offers zero percent interest for a year or so. This would be a very big advantage especially during these crunch time that we are all experiencing considering the current high interest rates of our existing credit accounts. Whether it is a personal or business need, these zero percent APR balance transfer credit cards makes a huge difference therefore, it is best to look for the best credit card available now which offers a low interest or low APR, a 0% introductory APR or 0% APR balance transfers. These low rate credit cards are advantageous more particularly for business credit cards which often has larger balances with higher interest rates because this would mean they can save a huge amount of money in interest payments. After the introductory 0% rate expires in a 12 to 15 billing cycle, only then you apply the ongoing market interest rate. Check out Zerorate.net and compare. You can securely apply online and even calculate your potential savings before you make a commitment.  There are even banks which offer no annual fee, earn points that can be redeemed for gift cards, travel or other merchandise and get approved in less than 60 seconds! Now this is my task, to search and compare different balance transfer offers and start saving on high interest rates.