Online advertisements and print mailings are loaded with credit card offers, all purporting to be the best credit card deals for every debtor. When choosing a credit card, consumers seeking to lower their interest payments should be aware of all the pluses and minuses entailed within their decisions. Is a cash back credit card worthwhile if the creditor requires an annual fee? Is there a balance transfer fee? How many credit cards are too many credit cards?

These are just some of the questions each consumer should ask himself or herself before opening a new credit card account. Depending on each individual's financial situation, the answers to these questions will vary.

Debt Consolidation by Transferring Balances to "Zero" or "No Interest" Credit Cards

Sure, transferring a high balance through a 0% credit card interest offer seems like a smart idea, and if the high balance is accruing interest at just under usury rates, it probably is a great idea. But 0% interest rarely, if ever, equates to no cost to the consumer. Here's what balance transferring hopefuls should look for:

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