All of us have experienced a drop in our finances. You think of various ways to get out of the situation but you hit a snag. This is when many people turn to the best balance transfer available to them at that point in time, desperate to take any path that will help them to lower their credit card debt.

The modern world functions on credit cards; from groceries to a new house, everything can be bought with credit. Things are likely to go a lot more smoothly when you pick a credit card that suits your needs. There are different types of credit cards — some offer cash back, while others offer miles as rewards.

You may have often heard the term “traveling on points.” Have you ever wondered how people manage to travel at such discounted rates? Well, the answer is simple — AIR MILES®. Accessing funds whenever and wherever needed, discounted rates, exclusive rewards, bonuses, and perks, are some advantages that you can avail every time you swipe an AIR MILES® credit card.

We aim to experience and attain several milestones in our lifetime. From getting the perfect job to owning a house to taking a trip to every beautiful foreign location, the dreams never stop. But, there are several factors that can hold one from achieving these big goals. A major element is the credit report.

A 0% annual percentage rate (APR) credit card charges no interest on purchases made through the account for a certain introductory period. Some credit cards even offer 0% APR on balance transfer during this period, after which the regular rate kicks in. A 0% APR credit card is great for repaying high-interest debt during the introductory period since it doesn’t accrue any interest.

The prospect of getting your first credit card can get you super psyched since it opens a world of possibilities. For example, making purchases using a credit card can help you earn rewards. Moreover, items and services paid using a credit card are protected in case of damage or theft.