It's about now that many people come to terms with the fact their Christmas credit card debt isn't going to pay itself off.
A balance transfer offer can be a way to deal with this problem.
The main banks all offer a low interest rate to people who transfer their credit card balances to one of their cards.
BNZ and Westpac offer 0 per cent interest for one year on transferred balances. ASB has 0 per cent for six months.
from
http://www.stuff.co.nz/business/101456517/Moving-your-credit-card-balance-good-for-beating-debt-in-most-cases
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