Always use your credit cards wisely. Every time you use your transfer credit card you are spending money that has to be paid back. Credit cards can make a great difference to your life by spreading your outgoings over a period of time, but can be your worst enermy if used poorly.
Always read the small print of any agreement to see if there are any hidden charges or conditions you were unaware of.
If you only make the minimum repayments on your cards every month your debt could take a long time to clear, as your payments may only be covering the interest charges.
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