The card user can also utilize the cashback credit card for getting some ready cash. Your interest rate for cash is placed higher than the rate charged for purchases, and this really is typically between 19% and 21% but that might reach as high as 23 percent or over.
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Most importantly, the more expensive parts can be at the rear, always being paid down last. Last to go is likely to be that cash advance, having its massive 21% or whatever it is. It is ironic to think that the longer the 0 interest period, the longer the interest will rack up! Then when you increase the fee that many cashback credit cards nowadays charge in making that balance transfer, then you know why the credit card companies are making so much money.
The only real credible solution is always to dump the cashback credit card and transfer the total amount to a fresh card when the interest free period ends. Based about what we've seen the banks do as a matter of course, that really is the only option. No exceptions.