Should I Pay Off My $2200 Credit Card With a Balance Transfer? [BA QA]
Brown Ambition
iHeartPodcasts
4.9 • 2.5K Ratings
🗓️ 12 December 2025
⏱️ 14 minutes
🧾️ Download transcript
Summary
What's up BA Fam! Mandi's back with a new BA QA, taking listener Tina's question about managing credit card debt, specifically focusing on balance transfers. She explains the benefits and risks associated with transferring balances to 0% interest cards, the importance of comparing offers, and the potential pitfalls of deferred interest. Mandi emphasizes the need for a strategic approach to debt management, encouraging listeners to take charge of their finances while also being mindful of their mental health during challenging financial times.
As always, these QA episodes are meant for edutainment purposes and are not a replacement for personalized financial advice.
Have a question for the show? Email Mandi at [email protected] or DM her on IG @brownambitionpodcast.
See omnystudio.com/listener for privacy information.
Transcript
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| 0:00.0 | This is an I-Heart podcast. |
| 0:02.6 | Guaranteed human. |
| 0:04.5 | Hey, BA fan. |
| 0:05.6 | Welcome back to the show. |
| 0:07.4 | Welcome to the BAQA. |
| 0:09.6 | This is where I take your questions and I give you like a lowercase A answer. |
| 0:13.6 | Remember getting these salt shakers out? |
| 0:15.2 | I should honestly get a Brown Ambition theme salt shaker at this point. |
| 0:18.5 | This is edutainment. |
| 0:19.8 | I am giving you my best idea of what I think |
| 0:23.3 | could work for you. But at the end of the day, I am not your financial planner, your investment |
| 0:27.6 | advisor. I am your financial bestie. I hope one of your financial besties and someone that you feel |
| 0:32.8 | like you can chat to and be honest with about what's going on in your life. I want to inspire y'all to take charge |
| 0:38.8 | of your finances and your career and all day. But let's not get a twisted. This is not a replacement |
| 0:45.1 | for someone who is in the weeds with you understands your entire financial situation and can |
| 0:50.5 | give you really deeply personalized advice. I also thank youall for trusting me. And if you'd like to get |
| 0:56.0 | your question answered on the podcast, it is so easy. Hit me up. I'm Brown Ambition Podcast at gmail.com, |
| 1:02.5 | or you can slide into my DMs directly. I'm Brown Ambition Podcast on IG. And I would love to hear from |
| 1:08.6 | y'all. You can remain anonymous. You can ask me a question about a friend, |
| 1:13.3 | about your family, about your finances, your career, whatever you want, and I will do my best |
| 1:17.7 | to deliver for y'all, as always. Today's question comes from listener Tina, who is trying to |
| 1:24.1 | pay off some debt like so many of us are. The year is winding down. Here's Tina's |
... |
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