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Commissions do not affect our editors' opinions or evaluations. A balance transfer credit card can be a powerful tool in your debt-busting arsenal. A 0% introductory APR offer on a credit card can ...

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Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic ...

Raina He is a contributor to CNET Money. She previously worked as an editor at CNET, focusing on credit cards, banking and loans. She graduated from the University of North Carolina at Chapel Hill ...

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