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So unless your FICO score is in the 700 range or better, you might have a tougher time taking advantage of a balance transfer.

"Even if you have the cash to do so, it might or might not be worth it, depending on how much money you'll save on interest over the life of your debt." You might want to crunch the numbers first.

Credit features a balance transfer calculator that allows you to see what the costs are.

In recent months, the Federal Trade Commission has shut down at least a half-dozen credit card scams that falsely promised unsuspecting consumers zero percent or low-rate credit card balance transfers.

Instead, those consumers got fleeced, authorities say.

Balance transfers featuring zero percent offers are especially nice, but even a low-rate balance transfer can save you money if your current credit card interest rates are moderate or high.

Consider this: If you have $10,000 in credit card debt and are paying 15 percent interest annually, a 12-month, zero percent credit card balance transfer could save you $1,500 over the course of a year.

This way, you only have to worry about paperwork and payments for a single account.

THE BAD Unfortunately, credit card balance transfer offers aren't typically free.

Before you accept any new credit card deal, consider these 10 issues.

THE GOOD The major benefit of a credit card balance transfer is that it offers you the opportunity to save big bucks.

If you're chipping away at credit card debt, you're likely paying for the privilege of having that plastic in your wallet, as well as the convenience of carrying a balance over time. The interest you're getting charged is the bank's way of making a profit off you, month after month, year after year.