Transferring one or more current credit card balances to a zero percent interest rate card can help you more quickly pay off your creditors.

That's because your entire monthly payment will be going toward the principal, not the interest, helping you become debt-free faster.

Another problem for those with average credit profiles: Even if you do get approved, the credit line may not be as large as was initially advertised or as big as you'd hoped.

For example, travel cards, rewards cards and airline cards all frequently offer hotel discounts, cash-back awards or free flights.

If you have a plain-vanilla credit card with no perks attached, finding a balance transfer deal that also offers perks is worth considering.

For a small price, they say you can see people’s real life social media details if you sign up.

Unfortunately, once you tap in your details you will actually be paying for a porn site subscription costing £90.30.

The one who looks nothing their photos, the power user with swiping set to automatic, or that one who spams your phone for months after your single date saying they just happen to be in the area.

But there is a new reason to shut down your phone, or at least to be more savvy about which opening lines you believe. Ironically, it involves playing on people’s fears about Tinder scams, and convincing them there is a way to verify your account so that you can see if people are who they say they are.THE BAD Unfortunately, credit card balance transfer offers aren't typically free.Most of the time, you will have to pay a fee based on the amount of the credit card balance you transfer. On most balance transfer cards, there is no cap, meaning that the more you transfer, the bigger the fee.If consolidating your credit card debt onto a zero percent interest card frees up some cash flow in your budget each month, you may be able to make "extra" payments on your debt and get rid of your credit card bills at a more rapid pace.One advantage of doing a credit card balance transfer is that you can apply for a credit card that rewards your spending or gives you perks for shopping that you were going to do anyway.Instead of making multiple payments to several credit card companies, it may be easier to combine or consolidate your debts onto one card.