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A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user's account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user). It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), which requires the balance to be paid in full each month. In contrast, a credit card allows the consumer to 'revolve' their balance, at the cost of having interest charged. Most credit cards are the same shape and size, as specified by the ISO 7810 standard.

A balance transfer is the act of transferring debt from one credit card to another assuming the newer card has better terms and rates. The balance transfer offer consists of 3 elements, offer rate, offer duration, and transaction fee. There are usually 3 types of offers by rate and duration: Purchase rate, teaser rate, and fixed life of loan rate.

Purchase rate Offer: The transferred balance will be subject to same rate as the card's purchase (merchandise) rate. Teaser rate Offer: Very low rate for the limited time. The 0% rate is the most common rate when you open the new card. However, the duration varies from 6 to 15 months. After the promised duration, the rate is usually subject to Purchase rate Fixed Life of Loan Rate Offer : Low rate that is fixed until the transferred balance is paid in full. This type of offer is usually guaranteed as long as the account is current (paying on time). This is a great way to save the interest without worrying to initiate another balance transfer after the Teaser rate offer expires. However, the offer rate is higher than the limited duration teaser rate offer.
Many of balance transfer are subject to transaction fee. It varies from 1-5% of transferred debt with maximum cap if disclosed.
More Generally: A balance transfer describes any shifting or moving of either an asset or debt from one account to another.

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