I need an online calculator that helps one figure out the benefits of saving with balance transfers. I have a zero percent card that will reset to about 19% percent in the summer. Read below to see what I am looking for, please.

I keep getting these offers on my paid off cards to use their BT offer for long term. One is 4% APR for 24 months with no transfer fee. While I think that probably is worse than 0% with a fee, I would like to see the conversion comparison in black and white, no gray wondering. I only have one card with a zero balance that offers a 0 percent for a shorter term right now.

I'll take the insult posts with the helpful one that answers the question. I got my DH's W-2 yesterday and while I can rejoice about how much he made, I am looking at a tax bill I will dread. I may have to pay for tax help this year. Haven't had to do that since 2006. Anyway, I may need a short term loan through my credit card.

What's this got to do with travel points, miles, perks etc? I'll have to get back with ya on that!!! @:-)

Anybody got a suggestion link, please? TIA!