How does a never-ending 0% APR on your credit card balances sound? Delicious right!?

Buuuut you have a bunch of debt and you don’t know how you could possibly get it under 0% APR (interest rate). Well…if you’re a semi-responsible human being who’s been making timely monthly payments (ridiculous interest rates and all) then how’s about we pour some of our secret sauce onto your situation? We know it feels like you’re constantly throwing your money in the toilet every time you make a payment to one of your high-interest cards. We get it. It’s maddening. And expensive…and well…just plain wrong. Hey, chin up! Credit Sauce is coming to the rescue, we got your back! But first, you gotta do your part. Here’s the 3 steps to keeping a 0% APR until the cows come home.

1. The more the merrier…You’ll need more than one card

This strategy just won’t work with a single card. In fact, it will still be difficult with 2 cards. We really recommend at least 3-7 0% APR cards to get the most out of our tasty “Forever 0%” method. Depending on your personal comfort and capacity, having several credit cards can actually save you more money than just having one or two. And they all need to either be under a current 0% APR promo or have been under a 0% APR promo in the past. So if you don’t currently have at least 3 cards with a past or present 0% APR promotion, then go get some! And even if some or all of your current cards match this scenario, you’ll still need to acquire more cards if they are maxed out. But let’s talk first. Don’t go running out into traffic to save your lucky soccer ball without some help!

2. Just a dash of discipline…Get it to $0

The most discipline will be required for your credit card with either the soonest expiring 0% APR or the one that previously had a 0% APR but is currently the lowest balance. You’re going to need to have it at a “zero” balance. Not all the time. Only when it really counts, which is when you’re ready for Step 3. The timing for this would either be one billing cycle prior to your soonest expiring 0% APR or, in the case of a card with an already expired 0% promo, as soon as you can afford it. And when it comes to managing ALL of your cards, the “dash” of discipline needs to be applied as follows: Always pay more than the minimum (even if it’s just $20 more); Never pay late (this means DON’T GO past midnight on the actual due date on the account); and Don’t keep a maxed-out balance for more than 3 billing cycles (by “maxed-out” we mean anything over 80% of the limit…otherwise keep it below 50% of the limit).

3. It’s time to transfer

Ok so assuming you’ve got several cards with a 0% promotional feature and you’ve managed them well (as described in #2 above), here is how you put all the ingredients together for mouth-watering results: A few weeks BEFORE the 0% promotion ends on a card with a $0 balance, contact the bank (card issuer) and tell them you really like using their card but the 0% APR is about to go off a cliff. Then tell them you’d be willing to transfer a substantial balance from another card(s) if they would find it in their hearts to extend the 0% promotion for another 6 months, 12 months, 21 months…whatever the original promotion was. Hell, grow a pair and ask for an even longer promo than the original! Obviously, for this to work, you’re going to need balances on your other well-managed cards so you have something to transfer. This should also work for a card with an expired 0% APR promo. As long as the balance is at $0 then you’re free to call the bank and turn on the charm. Simply follow the same recipe for the other cards as their promos are about to end.

Take the plunge

So stop flushing your money down the toilet! Well…not all together. You gotta flush when nature calls, but keep your money out of it! We are here to help you pull out that soppy wet mess of hard-earned sweat and tears, and put it towards something that gives you a shiver up your back with joy. We are talking about saving those APR dollars and re-directing them towards that trip to Bali or the payments on your new Tesla….Or whatever it is you want! But like we said, don’t go running out into the street on your own! Let us help. We’re the experts and we can get you access to the right cards and to way more available credit than if you “tried this at home”. Sound good? Did we get your taste buds revved up? Click on the link below to see if you can benefit from The Sauce!

GET ME THAT 0% SAUCE!