Experts say that if you can guarantee yourself that you can pay off this transfer in a span of six months, you should do just fine. This means that switching cards is the obvious step to get out of debt. For cardholders who cannot afford to pay off this transfer however, should never switch credit cards because the fees usually revert to normal once the six month period is over.

What do you get from the six month period though? For one, you won’t have to pay annual fees and the interest rate will be very low. With so much competition in the market, some companies, as mentioned before are now even offering zero interest rates. This is a good thing for many cardholders who are scrambling to get back on track in terms of their credit rating.

Whenever you apply for a card, it is important to take responsibility which means that it is important to pay for it when the bill arrives. It is also essential to check the statement because there might be some errors in there that you would usually overlook. Checking it is a good idea because who would want to pay for a purchase that they did not make?

Paying the whole of the bill is also one good way to get creditors off your back, experts say. The more prompt you are in paying for your debts, the lower the additional costs (interest rates) will be. It is quite tempting to pay only the minimum amount though but this is a temptation that will only make you less credit worthy because this usually means you are only paying 3% of your total debt.

So is changing credit cards a good step? Changing your credit card is a good idea if you want to pay for all your debts within the span of six months. You ca also change your credit card and switch to a new one if you think the previous one is no longer that good of an idea for your new lifestyle.