Hi, I’m Marcy. I have had good credit all my life. However, I made the wrong choice of getting a joint timeshare years ago that is now in collections. I’m here to learn everything I can to remove it or best case scenario.

Good morning Fam! With 2026 being right around the corner, it’s important that we are doing everything we can to save money. I know a lot of us are working on fixing our credit, but once you're in a place where you're finally getting approved, 2026 is a great year to take advantage of balance transfer promotions. Here’s your credit tip for today. What is a balance transfer and how much could it save you? A balance transfer is when you move your existing credit card debt from a high interest card to a new card that offers a 0 percent introductory APR on balance transfers for a promotional period. If you transfer a balance, for example 5,000 dollars from a card charging 15% interest to a card offering 0% interest for a set period, and you pay it off during that time, you avoid all of the interest you would have paid. That alone can save you HUNDREDS to THOUSANDS of dollars depending on your balance and how long you would have kept that debt on the original card. This strategy frees up money, helps you pay debt faster, and gives you breathing room as you enter 2026 with a stronger financial plan. • Card Name: Citi Simplicity Balance Transfer Promo: 0% APR for 21 months Recommended Credit Score: 670+ • Card Name: Wells Fargo Reflect Balance Transfer Promo: 0% APR for 21 months Recommended Credit Score: 670+ • Card Name: Discover it Cash Back Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 680+ • Card Name: Citi Double Cash Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 670+ • Card Name: U.S. Bank Shield or Visa Platinum Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 680+ • Card Name: Chase Freedom Unlimited Balance Transfer Promo: 0% APR for 15 months Recommended Credit Score: 670+ • Card Name: Bank of America Unlimited Cash Rewards Balance Transfer Promo: 0% APR for 15 months Recommended Credit Score: 670+ • Card Name: Capital One SavorOne Balance Transfer Promo: 0% APR for 12 months