The thing that you see in your mailbox this morning that states “0% interest, credit card offer” may actually be a lot more troublesome than you think. If you’re a long time credit card holder, you might as well be more familiar with the term “balance transfer”. But if you’re just a beginner in the field, don’t be surprised if the first thing you see, when you wake up in the morning, is a messed up credit card bill on your mailbox. If you are not sure what to do, you might panic. How can y...