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Step Seven

Donít miss any payments on any of your cards. The banks are toughening up who qualifies for their zero per cent deals Ė they donít want to many of the so-called Ďrate tartsí who simply jump from one low rate to another. Many are now likely to turn people down who donít have perfect credit scores. So if you miss any monthly payments and damage your credit record you may struggle to find a new balance transfer deal in the future.