How Balance Transfers Work

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0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-35200431-5720-4666-b4c3-d984dfe48423","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e43f1f80-a4d4-491c-b007-c7dd9980362d","keyframes":{"opacity":[0,1]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-043f82e0-bd85-4169-b369-9d124520f6cc","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2b9c2269-e6b4-4fff-b1cb-34cb7c71e86d","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-176ed8d6-6e24-41b9-9459-e833b6126574","keyframes":{"opacity":[0,1]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b0b4d6d-f179-4955-9afd-ce26ca289764","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-916db360-5bc5-4d50-bb3a-1aaa2540c61f","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c3dad869-f72e-492d-8bb5-dcab66978d7f","keyframes":{"opacity":[0,1]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0290d215-639a-4508-9690-1bfa7bb5a555","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-6b192e34-241f-4e0d-8465-87bea89d1868","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0320b25-3fa2-44ed-af49-c812096d839e","keyframes":{"opacity":[0,1]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cf1fecba-126a-4fa0-b199-dda471b81dfa","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e4b4e38f-cf5a-49a7-910e-a6f6a7012c94","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f056002e-709f-4df9-88db-589d07dcf79d","keyframes":{"opacity":[0,1]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5bc51c93-e205-48fd-bdd1-92000dbd97f3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-d3ea3dbe-f666-4093-8005-f5e89166df20","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-279ba374-2b60-4ed7-b1c7-efa3a7d3e9e1","keyframes":{"opacity":[0,1]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a6b9453e-fc9b-41d2-8870-abd31e2326c9","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-9e0c8712-7b36-45b9-9272-bfcc24544b8a","keyframes":{"opacity":[0,1]},"delay":700,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c587c2d-264c-4a9b-95d7-95a2dffa1f45","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c490cac6-ced7-4a7e-94ec-8fd12a1fdd45","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1ef2f64-b326-415d-9769-8c444351a639","keyframes":{"transform":["translate3d(0px, 256.94442%, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89cf01af-9500-4b8b-bf71-a99f7f05b66d","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab186dbc-2492-44d0-b791-c44b91ff1c34","keyframes":{"opacity":[0,1]},"delay":1600,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ GUIDE · CREDIT CARDS The 0% offer, the fee and the date that matters. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

Move the Debt

[{"selector":"#anim-b287ac8c-ae8b-4c40-ad8b-01a23c78ffbf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1435a4de-7bb2-4a4b-b872-4f95c1dd07a9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f1a252d9-d18f-4993-b9df-521abac89870","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67139132-25ad-4468-ad6a-dc211061ddc8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d70c8ba4-997b-4e08-a2b4-52bb6daefcd8","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38455ae8-be2a-43b5-b61b-66b167a256dd","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f09b3e99-f3ca-45e8-80c6-cb6eb361d139","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-bb1463b8-8782-4cc0-a8e9-c31f879ce349","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-895e8a93-2e36-4dd5-b92b-deb123f760ea","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-ddc184d3-00e3-457e-9619-060f175a7256","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1ac5ceac-0154-408c-98b5-8e5432043d8a","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5e2770b-8684-40bf-ac21-e7cf05e937d4","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f54eecfb-d69c-4ea0-9096-94307670abca","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-601b22e7-6a6a-48d2-a0ad-19d5104e30b3","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f6b3a48-bb4c-4e3d-86e1-0946bb588e7f","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 1 · CREDIT CARDS A new card pays off your old one. The balance moves over at a promo rate. Photo: Donald Trung Quoc Don / Wikimedia Commons (CC BY-SA 4.0)

The 0% Window

[{"selector":"#anim-96779c34-1bf4-45bd-938f-f892f414dbfe [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c756e7a6-e3b1-4d8c-bbf5-8e6cbcd1831e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a10b38ac-47c5-44f5-927a-a6f7f3943a88","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c486322-30ca-4bab-8e3a-fc44cdcdc2e1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee5ce656-75c8-4b3e-9602-b208da6affde","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06291585-fad2-4242-a175-80fcdecf2619","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b34a58b0-1bac-4c59-a5d2-df4a0f2123c1","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-c3c55c77-04ba-43e8-bd25-401e136d5861","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1ef464b3-e0b0-4c2c-b3f0-d4cd0b960177","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-52419fd3-508b-4aa4-bf6b-d47173741be5","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-558f34a8-22c3-4a89-b375-8a8209b39e0c","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81d9f287-feb7-45fb-9bfe-0bd45ae4774c","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c0306de-6af8-47fd-8b9b-7359b31c8f20","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7bf935e0-1e45-489f-9c34-f51b1aea273a","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-37603b2e-d75d-4d57-a636-5839f29c621a","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 2 · CREDIT CARDS Promos last at least 6 months by law. Many run 12 to 21 months. Photo: Undeka 11 / Wikimedia Commons (CC BY-SA 4.0)

Expect a Fee

[{"selector":"#anim-7e0bdc37-5bbb-4bce-8db6-e36587e8e432 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d031f14b-c782-4440-9fec-c8c9e2265400","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-779da78e-87ef-4385-b83d-4dab0db44af1","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-194e9049-4066-49ea-84b9-c1dd0e50958a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3f27e85-0b9f-4901-a6b4-89f9641903aa","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4659f3eb-76e2-4ac3-aced-0ecf287ecd0d","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-0363d8d7-762d-4282-bab6-c31247504c14","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-da6b3e01-9ddf-45b5-b678-80f5cc7cbcbe","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-2abaa7c3-7b4c-4d3e-81ab-d34104710581","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-5ca832f0-72cd-4e8f-81fa-4a1adc6934f1","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0a4b2727-f4ae-4694-ad40-ee97bdb4d414","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cf936ef-d53c-42c3-a5ae-b5826932806d","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65b5167e-ebc8-43ee-a3a8-bda73b8ad438","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22b5e0ff-fed3-467b-8ce5-b2c8312ac74b","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c4a4774a-0307-42c7-a16c-e3cec01cd9b6","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 3 · CREDIT CARDS Most cards charge 3% to 5% of the amount you move. Photo: LoMit / Wikimedia Commons (CC BY-SA 4.0)

Do the Math

[{"selector":"#anim-6991ec67-ab7f-4b19-811c-0e5425bc3dc0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-43f23b88-f68b-4e11-9e74-5ff174e17a5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-09de10fd-e797-4e27-9711-af1272d31f4b","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd406003-ffbc-4fb7-b273-cb4cb6a3694c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a5265a2-78b9-45ff-9db3-b506f52b43b7","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-73795968-6745-4150-9485-91d60bc2d4d3","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-824c972e-5e19-4da6-a9c6-18639408d0cf","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-02d76815-15f0-422c-ae41-b9bdaad139d9","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c54ca4da-3dcc-49c4-a5c3-b58709d8e1c6","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-3ab5f448-b421-46a5-82a1-44354c7cadf6","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-635f7ca9-de49-4fc1-a3ab-e383d5f006d3","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c2b30414-7a90-45d7-a92d-32241c1fe235","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bbca75c6-f7e0-41aa-b100-9d856309f79e","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a05fafcd-9aa8-4e80-b767-c32c213b8c51","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a169e5fc-6f94-4acc-bf89-cd9e35eabbf7","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 4 · CREDIT CARDS Balance plus fee, divided by promo months, is your monthly target. Photo: DigiGal DZiner / Wikimedia Commons (CC BY-SA 4.0)

Use a New Bank

[{"selector":"#anim-06eab1e8-db68-4521-853c-13288ff035e9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4b41a6ad-e388-4e14-bc36-f766a37b7f66","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0851c2e9-9df0-4eef-809d-e3e652773c34","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7eb786c2-e538-4a48-b5f5-ab3bd1d39779","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6febb396-af4b-41a8-b5e8-e1ff748f0c9c","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-640b7951-c953-4cec-8630-c885f4417a3b","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-27b161ab-23e0-4f91-bb28-53734b53d79a","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-7846574c-e583-4310-b0f4-ef95b3cd69fc","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a48b6e43-1d45-4476-b66d-8e39f7916120","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-4a7dee06-fd3a-4be7-98ea-36f7d3c41e10","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db93af15-1c2a-4c4f-b948-f3b42057f963","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0a3537ee-5e4a-4f75-83a9-2b555fd5dfb4","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ffe158b7-872d-441f-b7b0-3bea23efae0f","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b79f812-7497-4c07-be79-406cad7daabb","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db94373b-371e-49ac-a892-1da0e9b66ec1","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 5 · CREDIT CARDS Most issuers won't transfer between two of their own cards. Photo: Suiren2022 / Wikimedia Commons (CC BY-SA 4.0)

Keep Paying

[{"selector":"#anim-91e87405-7c52-4c59-ba08-e09fd501b9a3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d3b7c5e5-c4dd-411d-99a3-398008d0188e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d65723ee-b1d9-4ebb-b4b5-0d35b821e3bf","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0fb13f3-2932-4341-98c2-616475764530","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a3a30f5c-36c9-462a-b84a-06e0e92b0cff","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d4db3ebf-53c6-41c6-a620-58d7c56250a3","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a2cb433a-dbb9-4e3f-bdc8-209b9854464d","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-84bfb2f4-c71f-45bb-8659-da6aaa6755db","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c195220f-ca8c-4448-9dba-1e29caa344c5","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-ff39c1cf-abef-4ac4-9534-9671a7c03209","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4207c81d-bfc2-4c68-b215-48413b50434a","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6decf343-94d8-4a6f-ad10-a7d7f53e7336","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0522ed24-39d2-4b1a-a83d-c9bf7ba1664a","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4a5889e-76d2-4583-95eb-fbd4989dee42","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3b91e2cc-bfb6-4e5f-8c60-17bb15e5d1aa","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 6 · CREDIT CARDS Pay the old card's minimum until the transfer posts. Photo: Stilfehler / Wikimedia Commons (public domain)

Never Pay Late

[{"selector":"#anim-f0e822ec-9c70-43f8-8769-12e5af455c11 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ed46b51e-eef7-4a29-b059-81596cc5ef2f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9d6b3cb-70ae-4682-abf1-2b56ed68c8cc","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d85194ee-7b06-4646-bd22-5cde2614c900","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5446d57f-676f-427f-8424-b642b0464d5e","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e349b8ac-a4d1-472b-bd02-65c4e44aaa8e","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b58dc4dd-b75a-49e8-b58e-b2af029c7349","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-2d4c4601-e588-48de-bb66-c307ae683609","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-7bce3fa8-af10-41f3-ac9a-917034b8287f","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-e378fe12-483c-421a-b789-0b1246890151","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bac1d3ff-af90-4b44-919f-c87912ec9248","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f870826-a465-4ee3-a6f1-45b5b5396486","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d170f26-aeb0-4cb0-a27a-f1147673f592","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5ea9b81-4b56-43f1-98dd-99fd3b062dc3","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90be21e3-089c-4345-8fff-fe30bb63a7ca","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 7 · CREDIT CARDS A late payment can cost you the promo rate. Set up autopay. Photo: Torsten Dettlaff / Wikimedia Commons (CC BY-SA 4.0)

Skip New Buys

[{"selector":"#anim-8f789fb9-2fca-4e98-ad50-f0d82da2682b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-eb47d1af-98c1-46be-9a3d-b630ebefb942","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a1a9be4-3a4a-49cf-bf8d-ecffa7b22dc8","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9006e538-3561-484c-abae-d87642039053","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6a1c689c-0bf3-4cd9-944c-66d33eb573af","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-800b40a8-5a0c-4ca3-a097-79a12fa695be","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-4c4c96d0-4510-4d66-bced-f6696196a247","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-486bc819-f01d-4c68-8e8f-c861858f55be","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-dadcf739-b4c6-413c-a7ae-f1897ad427f0","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-8c9c48e1-5ed9-459f-bced-e384fe0a231a","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cb7eafa4-b4a3-420d-8d40-8c21a25a2a14","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bfc0c96-03f7-4fb3-a2a6-1e6f29a2faff","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e55d8f6-8ae5-4a28-ad07-b495ab9e6b93","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c055747-bf29-409e-88a0-bc128c47c99c","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3f9ae6fa-856b-451f-9a4c-0ef589a6cbe3","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 8 · CREDIT CARDS New purchases may not get 0%. Put the new card away. Photo: Anselm Schüler / Wikimedia Commons (CC BY-SA 4.0)

Mark the End Date

[{"selector":"#anim-8da261ef-8531-4c1b-a91d-2561b5616158 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-edb5fb7b-56f4-4dfe-81ea-ac8cd51c3138","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a10cea49-ab0e-40cb-82a1-2b75b9f81d08","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e59b1f4-02b2-40cd-aec1-5a4873734400","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ebc83140-e99c-4586-b2e8-ea2fb28c7a1f","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-76ddb3f1-5e54-4439-aad4-0338182ac948","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-0f227fc7-6d94-4241-a1e3-cb5cf4a6bb12","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-e4015206-22f0-4f28-a333-3923e04a56a3","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-3a536b21-c1fd-4d99-9255-5088a721efb0","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-6286b8ce-dd3f-4a13-b650-24bff59c181b","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f17a598-03d1-4105-9e02-956523536175","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82291679-bfdb-42a0-924d-64775ca95220","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-304bbeec-6964-4bb7-a229-641115765911","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5adadf76-fa1c-46f9-8f28-7af54b3f29f8","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-12769617-368a-44b3-9fb1-539724bc3780","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 9 · CREDIT CARDS Any balance left when the promo ends gets the regular APR. Photo: Claudio Elias / Wikimedia Commons (public domain)

Thanks for Reading

[{"selector":"#anim-70ac4cd9-b1a2-447c-bdb4-87f83f064c9b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7292eaf7-6da8-4a4b-a149-5bb5e0921400","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b3e37fb-fe72-4a16-818a-dc51d3398deb","keyframes":{"transform":["translate3d(0px, 134.70284%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0deab8c0-9834-496b-a9d2-27a1d7ca7f9e","keyframes":{"transform":["translate3d(-352.94123%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-403e3fe4-9dde-406f-9bf6-ec1daf89db53","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-a4ebd4cc-2c17-4150-b55d-9ca5382e5493","keyframes":{"opacity":[0,1]},"delay":700,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e15bbae1-a668-40aa-9ea9-b06f1a3300af","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc9fef77-8be3-49f6-b4e5-deeca2de3711","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fb9bdbd4-13fb-4c57-8af1-896bbecbea73","keyframes":{"opacity":[0,1]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d01a0cfe-118b-4196-918e-5bc66f1ccbc5","keyframes":{"transform":["translate3d(-393.33329%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9d48ac1-a7ce-4fd7-b033-7392ef82a5ac","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f4678e1-b3ec-4961-828e-953b755a3de7","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a80c10df-6d00-4086-bf30-875a45c80471","keyframes":{"transform":["translate3d(0px, 544.6581%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1b63118-1e87-4af0-b25a-adc0297c47a2","keyframes":{"transform":["scale(1)","scale(1.04)","scale(0.996)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":2500,"duration":1500,"easing":"ease-in-out","fill":"both","iterations":"infinity"}] [{"selector":"#anim-dbf3af2f-db26-4959-af15-2fd353f66ab2","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-36c5048c-f00f-4457-b303-c2164d76a4e2","keyframes":{"transform":["translate3d(0px, 1219.19199%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-471df128-e633-4fc7-8d2b-90c1003683eb","keyframes":{"opacity":[0,1]},"delay":1900,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f33052f-c0ba-45d6-beaa-5f2de66ed49e","keyframes":{"opacity":[0,1]},"delay":2000,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ The full math, the rules most people miss and what to do when the promo ends. READ THE FULL GUIDE → nexgenheadlines.com Shop debt payoff planners on Amazon → Photos: Wikimedia Commons (credits on each page)