1. You have a lot of credit cards.

If you find yourself spending excess time paying your credit card bills each month because you have so many accounts, it might be time to simplify and consolidate. You'll pay only one bill a month and won't have so many accounts to keep track of.

2. You have large balances on your credit cards.

Large balances can be really difficult to pay off in a timely manner. If you're looking to pay off your credit cards quickly, moving them all to one credit card with a consistent lower interest rate could help you save money.

3. You have high interest on your current credit cards.

Does it seem like your current interest on your credit cards is eating away at the monthly payments your making each month? You're paying everything on time and even making additional payments, but the balance is just not lowering. You could benefit from transferring that balance to a lower interest credit card and pay it off quicker.

With credit card rates starting lower than the national average, transferring your balance to a Beacon credit card could be the right move for you.

4. Poor service from your credit card holder.

Service is an important factor when it comes to your credit card. Waiting on hold for long periods of time and then speaking to a service representative that does not listen to your needs can be frustrating. If you're fed up with dealing with bad customer service, it might be a good time to transfer to another credit card provider.

Beacon services credit cards in house, so when you call, you're talking to someone local and willing to address any concerns you might have. They also offer top notch fraud protection, card controls right from the Beacon mobile app and many other perks that make having a credit card with Beacon easy and efficient.

5. You find a great promotion.

Sometimes the right deal will stand out at exactly the right moment. If you're already running into a few of the issues mentioned above and an offer comes along that could save you money, it might be the most opportune moment to take control of your finances and get the credit card that will save you the most money.

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