A friend of mine almost didn't do a balance transfer because of the $300 fee. He was nervous about paying that much up front -- totally fair. But once he ran the numbers and saw he'd save over $1,400 ...

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The average credit card APR now tops 21%, according to the Federal Reserve -- and that means hundreds or even thousands in interest if you're carrying a balance. That's why balance transfer cards can ...

Jaclyn was a CNET Money editor with a fondness for the sweet spot between numbers and words. Overseeing CNET's credit card coverage, she wrote and edited news, reviews and advice. She has experience ...