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Credit Card Shuffle

Reduce interest without new credit
A stack of credit cards

You don't need new cards to slash the interest you pay. Lenders love you to apply for new plastic, but do the Credit Card Shuffle - using existing customer balance transfer deals - and you can cut 70% off the cost with NO NEW CARDS.

You don't need new cards to slash the interest you pay. Lenders love you to apply for new plastic, but do the Credit Card Shuffle - using existing customer balance transfer deals - and you can cut 70% off the cost with NO NEW CARDS.

What is the credit card shuffle?

The idea of the credit card shuffle is that you cut the cost of your existing cards, but without applying for any new ones. This requires being pretty savvy in managing your cash, but you can save up to 70% off the costs of your debts using this special technique.

Who is the credit card shuffle for?

Match up your circumstances against the Shuffle checklist. If any of the ticks apply to you, the Shuffle could be right up your street...

Quick questions:

Do you get rejected for new credit?

Do you want to protect your credit score?

Can you always meet at least minimum repayments?

How to do the Credit Card Shuffle

Step 1: List all your debtsNumber 1

Before you start the credit card shuffle it's important to take stock of your situation and note down all your debts in a list. To help, we've prepared a simple worksheet for you to make it easier.

Step 2: Call and Ask them to cut the rateNumber 2

If you don't want to apply for a new card, then sometimes simply calling and asking your credit card company for an interest rate reduction works.

TwoStep 3: Shift debts around existing cards

Now that you have successfully brought down the interest you are paying on your debt, you need to shift your debt around - from the card charging the most interest to the card charging the least.

Step 4: Repay most expensive debts first

This is possibly the most crucial part of the entire shuffle. So important, in fact, we're going to shout...

Start repaying, focusing as much cash as possible on the most expensive debt first.

The size of the saving

The credit card shuffle needs careful management but if you follow the steps above, you could cut the total amount you have to repay by thousands.