"No Fee Balance Transfer" 0% Intro APR Credit Cards Still Exist

Ever since zero percent introductory annual percentage rate (intro APR) credit cards were introduced to the American market several years ago, they've been very popular. All types of consumers have been taking advantage of 0% offers. Most consumers use 0% deals to save money by avoiding interest charges on their credit card debt, while other money-savvy consumers use 0% offers to make money by playing the 0% credit card arbitrage game (also known as "stoozing.") Many 0% credit card offers come with a catch: you have to pay a fee for transferring a balance. There are, however, a few select credit card products out there where you don't have to pay a fee for the first or initial balance transfer.

Feeless, 0% intro APR balance transfer deals -- perhaps the most sought-after 0% deals on the Internet -- are a dying breed. Dying, but not dead. The pool of banks that offer feeless 0% deals has been shrinking. Why? Because the banks and credit card companies know that by eliminating the balance transfer transaction fee, a balance transfer "surfer" can transfer a credit card balance to a card, sit out the interest-free period, then transfer the balance out to a new 0% deal -- thus denying the bank any opportunity to make money off the surfer. The balance transfer transaction fee gives a bank the opportunity to get at least something out of the deal.

The Discover More family of credit cards, offered by Discover Financial Services (DFS), has been exceedingly popular for transferring credit card balances. Why? Because, heretofore, with any Discover More card, you could transfer a credit card balance and pay no interest on the transferred funds for 12 months, with no balance transfer transaction fee. But that's not all: with Discover More, you could (and still can) get a 0% rate on new credit card purchases for 12 months to boot. Its no wonder that the Discover More family of credit cards has been a top-ranked collection of credit cards at many top-rated websites.

But DFS recently made a change to the terms and conditions associated with the Discover More family of credit cards: you now have to pay a fee for transferring a balance; the minimum transfer fee is $10. The Discover More group of cards still offers great value, with a 0% intro APR rate on both balance transfers and new purchases for one year, but the nascent balance transfer transaction fee may turn off some folks out there in the market for a hot, 0% credit card deal.

OK, now for the good news: Citi, American Express and Pulaski Bank still offer consumer credit cards where you can transfer a balance at zero percent for 6 or 12 months (depending on the card) and pay no balance transfer fee. Furthermore, Citi and CitiBusiness have business credit cards that provide an option to transfer balances at 0% without charging a transaction fee.

If you plan on hunting (or continuing your hunt) for an attractive 0% credit card deal after reading this article, remember two things:

• In your search for "no fee balance transfer" 0% deals, you may find articles, blog posts or other website content with claims that feeless 0% deals no longer exist. Don't buy it. Feeless 0% balance transfer offers can still be found today -- even with certain business credit cards -- if you know where to look.
• Credit card deals are constantly evolving, so if you're planning on signing up for a specific 0% offer that you've had your eye on for a while, try not to drag your heels. The sexy, feeless balance transfer offer you find today may be gone tomorrow. Thankfully, the selection of "no fee" 0% deals is still quite healthy, so you don't have to panic if the offer you wanted disappears.

Consumer credit cards that don't charge a fee for transferring balances can be found at BalanceTransfer.cc Business credit cards that don't charge a fee for transferring balances can be found at BusinessCreditCards.ccr.cc

Fax Toner Cartridges

The fax machine has become the ubiquitous part of the office stationery for the last few years. It combines the facility of the phone and printing message anywhere across the world. Till emails became popular fax machines were the best option to receive information without the trouble of courier and hard copies. The fax copy is as good as original and is a good substitute. It works with the same formula as the printer does. The fax machine works o similar lines where a black toner cartridge is the main mechanism with which the print out is taken out. A fax roll is a special paper that is able to print the message or series of sheets. One can use the ink cartridge, fax ribbon or refill as the ink dries up.

There are many companies that are producing good quality fax toner cartridges and also refills for regular use. Since cost wise the refills are cheaper, they are in frequent use after the OEM (original equipment manufacturer) toner needs refilling. Bottled toner kits are available in the market at lower rates. Normally they are used to bring down the cost. Just as one time ink and ball point pens were refilled so do the fax machine toners can be refilled. The process is more advanced and the quality of printing is also better. One can also get remanufactured copier toners that also do a great job. These refilled toners are also environmentally friendly when they have to be disposed.

Endurance Imaging Products, LLC is the manufacturer of "Endurance Brand" laser toner cartridges, fax toner cartridges, and drums. We manufacture over 1,000 different ink and laser toner cartridges for a wide variety of fax machines, and copiers.