Michael Yanda

I've spent more than 20 years working with financial data as a software developer, much of that time partnering directly with banks to publish and maintain credit card rates, fees, and offer terms. Reviewing credit card disclosures and verifying offer details has been a core part of my work throughout my career. I founded BalanceTransfers.com in 2017 to make it easier for consumers to compare balance transfer offers using accurate, up-to-date information. Every rate, fee, and offer term published on the site is verified against the issuing bank's official disclosure. If you ever spot a discrepancy, let me know and I'll review and correct it promptly.

Balance Transfer vs. Personal Loan: Which Is Better?

August 4, 2026June 21, 2025 by Michael Yanda

Compare a balance transfer with a personal loan by monthly payment, fees, total cost, repayment time, and the risks of each option.

How to Pay Off Credit Card Debt

August 4, 2026June 2, 2025 by Michael Yanda

A practical plan for paying off credit card debt, including avalanche and snowball strategies, balance transfers, and what to do when minimum payments are unaffordable.

Balance Transfer Mistakes to Avoid

August 4, 2026April 28, 2025 by Michael Yanda

Avoid the balance transfer mistakes that lead to extra fees, interest, missed payments, partial transfers, and more debt.

Balance Transfers With Credit Unions

May 31, 2025February 10, 2025 by Michael Yanda

I. Introduction In today’s financial landscape, managing debt effectively is crucial for maintaining financial health. One innovative strategy that has gained popularity is the balance transfer, particularly through credit unions. This article explores the financial advantages of credit union balance transfers, focusing on savings, interest rates, and member benefits. By understanding these aspects, consumers can … Read more

Credit Card Consolidation: Options, Costs, and Tradeoffs

August 4, 2026July 1, 2024 by Michael Yanda

Compare balance transfers, personal loans, debt management plans, and DIY payoff strategies by cost, payment, and risk.

How to Choose a Balance Transfer Card

August 4, 2026January 28, 2024 by Michael Yanda

Learn how to compare balance transfer cards by total cost, promotional period, transfer rules, ongoing APR, and the payment needed to finish on time.

Balance Transfer Fees: How to Calculate the Cost

August 4, 2026June 29, 2023 by Michael Yanda

Learn how balance transfer fees are calculated, when a fee can still save money, and how to include it in a realistic payoff plan.

Credit Union Loans and Lending: Everything you need to know

November 29, 2021April 22, 2021 by Michael Yanda

Source: Many people are unaware of the fact that credit unions offer a variety of loans. Molly McCurdy of Star Choice Credit Union (6,000+ members strong) explained this in greater detail. When it comes time to apply for a loan, many people make the mistake of immediately turning to a local bank they are familiar … Read more

Five Tips for Selecting the Right Small Business Credit Card

May 29, 2025January 7, 2021 by Michael Yanda

Happy and successful woman with a credit card

Over the years, I have had a few small business credit cards at my disposal. Some of my selections have been good, while others have not worked out so well over the long haul. The good thing is this: there are hundreds of offers to consider. While this can go a long way in helping … Read more

3 Tips to Help Clean Your Finances

August 4, 2026September 2, 2020 by Michael Yanda

When it comes to spring cleaning your home, there are many things you can do. When was the last time you cleaned out your freezer? When was the last time you went through your closet? Is your basement in desperate need of a scrub down? While spring is a great time to address all of these … Read more