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This is how the messages might look: The scam was exposed by anti-virus experts Symantec, who explained more here.‘It’s a free service tinder put up, to verify the person you wanna meet isn’t a serial killer lol,’ the spammer says, trying to make out that they are taking reasonable precautions.But while such transfers can be effective when used judiciously, they do have potential pitfalls.Before you accept any new credit card deal, consider these 10 issues.Instead of making multiple payments to several credit card companies, it may be easier to combine or consolidate your debts onto one card.This way, you only have to worry about paperwork and payments for a single account.THE GOOD The major benefit of a credit card balance transfer is that it offers you the opportunity to save big bucks.Balance transfers featuring zero percent offers are especially nice, but even a low-rate balance transfer can save you money if your current credit card interest rates are moderate or high.

Another drawback about balance transfers is that not everyone will qualify for these deals.If consolidating your credit card debt onto a zero percent interest card frees up some cash flow in your budget each month, you may be able to make "extra" payments on your debt and get rid of your credit card bills at a more rapid pace.One advantage of doing a credit card balance transfer is that you can apply for a credit card that rewards your spending or gives you perks for shopping that you were going to do anyway.Another problem for those with average credit profiles: Even if you do get approved, the credit line may not be as large as was initially advertised or as big as you'd hoped.Applying for a new credit line generates an "inquiry" on your credit report, which usually dings your credit score for a short time.THE BAD Unfortunately, credit card balance transfer offers aren't typically free.

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