Finding a credit card that will let you consolidate your high-interest debt and pay it off over many months interest free can help you break that cycle.

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The interest-free introductory period on the Chase Slate card is better than most.

Those who need a fairly forgiving card might also like that late payments won’t adversely affect their interest rate, and there’s no penalties for exceeding the credit limit.

Right before you finalize your Payoff Loan, we run a hard inquiry, which can impact your credit.

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This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This site does not include all credit card companies or all available credit card offers.The Payoff Loan is a personal loan between ,000 and ,000 designed to eliminate or lower your credit card balances.The Payoff Loan is designed to allow you to take control of your finances and pay your credit cards off faster.You’ll also get 15 billing cycles to pay off your balance transfer before interest kicks in.Highlights: Who should get this card If you’re focused on paying off your debt, this no-frills card gives you 15 billing cycles of breathing room, and its interest rate for borrowers with the best credit is quite low.It is not the responsibility of any advertiser to ensure that questions are answered, either.