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Credit card companies offer the opportunity to transfer high interest rate credit cards to a lower Annual Percentage Rate (APR). Some lenders introduce a teaser rates for you to sign up with. In many cases, this low APR will only last for a set amount of time. The amount of time that the low rate lasts is usually from 6-18 months, depending on the company. These rates can help you to pay down your debts faster, but you need to make sure you will not pay more money in the long run.