#cc11-calc-root {
font-family: system-ui, -apple-system, BlinkMacSystemFont, ‘Inter’, sans-serif;
color: #0F172A;
line-height: 1.6;
max-width: 1000px;
margin: 0 auto;
}
#cc11-calc-root h1, #cc11-calc-root h2, #cc11-calc-root h3 {
font-weight: 700;
color: #0F172A;
margin-top: 1.5em;
margin-bottom: 0.5em;
}
#cc11-calc-root h1 {
font-size: 2.25rem;
line-height: 1.2;
}
#cc11-calc-root p {
margin-bottom: 1.25em;
}
#cc11-calc-root a {
color: #10B981;
text-decoration: underline;
text-decoration-color: rgba(16, 185, 129, 0.4);
text-underline-offset: 4px;
}
#cc11-calc-root a:hover {
text-decoration-color: #10B981;
}
#cc11-calc-root .geo-box {
background: #F8FAFC;
border-left: 4px solid #10B981;
padding: 16px;
border-radius: 0 8px 8px 0;
margin-bottom: 32px;
font-size: 0.95rem;
}
#cc11-calc-root .calc-container {
background: #ffffff;
border: 1.5px solid #E2E8F0;
border-radius: 16px;
padding: 28px;
margin: 40px 0;
box-shadow: 0 4px 6px -1px rgba(0,0,0,0.05);
}
#cc11-calc-root .calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 32px;
}
@media (max-width: 767px) {
#cc11-calc-root .calc-grid {
grid-template-columns: 1fr;
}
}
#cc11-calc-root .slider-group {
margin-bottom: 24px;
}
#cc11-calc-root .slider-header {
display: flex;
justify-content: space-between;
align-items: center;
margin-bottom: 12px;
font-weight: 600;
}
#cc11-calc-root .badge {
background: #F0FDF4;
border: 1px solid #BBF7D0;
color: #10B981;
padding: 4px 12px;
border-radius: 9999px;
font-size: 0.9rem;
font-weight: 700;
}
#cc11-calc-root input[type=range] {
width: 100%;
accent-color: #10B981;
height: 6px;
border-radius: 3px;
background: #E2E8F0;
outline: none;
-webkit-appearance: none;
}
#cc11-calc-root input[type=range]::-webkit-slider-thumb {
-webkit-appearance: none;
width: 20px;
height: 20px;
border-radius: 50%;
background: #10B981;
cursor: pointer;
border: 2px solid #ffffff;
box-shadow: 0 1px 3px rgba(0,0,0,0.3);
}
#cc11-calc-root .pill-group {
display: flex;
flex-wrap: wrap;
gap: 8px;
margin-top: 8px;
}
#cc11-calc-root .pill-btn {
padding: 8px 16px;
border-radius: 9999px;
border: 1px solid #E2E8F0;
background: #F8FAFC;
cursor: pointer;
font-weight: 600;
font-size: 0.9rem;
transition: all 0.2s;
color: #0F172A;
}
#cc11-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
color: white;
padding: 24px;
border-radius: 12px;
display: flex;
flex-direction: column;
}
#cc11-calc-root .hero-stat {
margin-bottom: 24px;
text-align: center;
}
#cc11-calc-root .hero-stat-label {
font-size: 0.9rem;
color: #94A3B8;
text-transform: uppercase;
letter-spacing: 0.05em;
margin-bottom: 4px;
}
#cc11-calc-root .hero-stat-value {
font-size: 2.5rem;
font-weight: 800;
}
#cc11-calc-root .sub-stats {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 16px;
margin-bottom: 16px;
background: rgba(255,255,255,0.05);
padding: 16px;
border-radius: 8px;
}
#cc11-calc-root .sub-stat {
text-align: center;
}
#cc11-calc-root .sub-stat-label {
font-size: 0.8rem;
color: #94A3B8;
margin-bottom: 4px;
}
#cc11-calc-root .sub-stat-value {
font-size: 1.25rem;
font-weight: 700;
}
#cc11-calc-root .break-even {
text-align: center;
font-size: 0.9rem;
color: #CBD5E1;
margin-bottom: 24px;
}
#cc11-calc-root .chart-container {
height: 200px;
width: 100%;
background: white;
padding: 12px;
border-radius: 8px;
margin-top: auto;
}
#cc11-calc-root .hub-banner {
background: #0F172A;
color: white;
padding: 24px;
border-radius: 12px;
margin: 32px 0;
display: flex;
justify-content: space-between;
align-items: center;
}
#cc11-calc-root .hub-banner h3 {
margin: 0 0 8px 0;
color: white;
}
#cc11-calc-root .hub-banner p {
margin: 0;
color: #94A3B8;
}
#cc11-calc-root .hub-btn {
background: #10B981;
color: white;
padding: 12px 24px;
border-radius: 8px;
text-decoration: none;
font-weight: 600;
white-space: nowrap;
}
#cc11-calc-root .hub-btn:hover {
background: #059669;
}
@media (max-width: 600px) {
#cc11-calc-root .hub-banner {
flex-direction: column;
text-align: center;
gap: 16px;
}
}
#cc11-calc-root .static-table {
width: 100%;
border-collapse: collapse;
margin: 32px 0;
}
#cc11-calc-root .static-table th, #cc11-calc-root .static-table td {
padding: 12px 16px;
text-align: left;
border-bottom: 1px solid #E2E8F0;
}
#cc11-calc-root .static-table th {
background: #0F172A;
color: white;
font-weight: 600;
}
#cc11-calc-root .static-table tr:nth-child(even) {
background: #F8FAFC;
}
#cc11-calc-root .faq-section {
background: #F8FAFC;
padding: 32px;
border-radius: 16px;
margin-top: 48px;
}
#cc11-calc-root .faq-item {
margin-bottom: 24px;
}
#cc11-calc-root .faq-item:last-child {
margin-bottom: 0;
}
#cc11-calc-root .faq-item h3 {
margin-top: 0;
color: #0F172A;
}

/* Compact Modern Styling with Direct Manual Inputs & Ad Slots */
#cc11-calc-root .calc-box, #cc11-calc-root .calc-container, #cc11-calc-root .calc-grid {
background: #FFFFFF !important;
border: 1.5px solid #E2E8F0 !important;
border-radius: 14px !important;
padding: 18px !important;
margin-bottom: 16px !important;
box-shadow: 0 4px 12px -2px rgba(15, 23, 42, 0.05) !important;
}
#cc11-calc-root .controls, #cc11-calc-root .controls-panel, #cc11-calc-root .calc-controls {
display: flex !important;
flex-direction: column !important;
gap: 12px !important;
}
#cc11-calc-root .control-card {
background: #F8FAFC !important;
border: 1px solid #E2E8F0 !important;
border-radius: 10px !important;
padding: 10px 14px !important;
margin-bottom: 0 !important;
}
#cc11-calc-root .control-header {
display: flex !important;
justify-content: space-between !important;
align-items: center !important;
margin-bottom: 6px !important;
}
#cc11-calc-root .control-label {
font-weight: 600 !important;
font-size: 13.5px !important;
color: #0F172A !important;
}
#cc11-calc-root .input-wrapper {
display: flex !important;
align-items: center !important;
gap: 6px !important;
}
#cc11-calc-root .currency-prefix {
font-weight: 700 !important;
color: #64748B !important;
font-size: 14px !important;
}
#cc11-calc-root .num-input {
width: 105px !important;
padding: 5px 8px !important;
border: 1.5px solid #CBD5E1 !important;
border-radius: 6px !important;
font-size: 14px !important;
font-weight: 700 !important;
color: #0F172A !important;
background: #FFFFFF !important;
text-align: right !important;
outline: none !important;
}
#cc11-calc-root .num-input:focus {
border-color: #10B981 !important;
box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15) !important;
}
#cc11-calc-root input[type=range] {
width: 100% !important;
accent-color: #10B981 !important;
height: 5px !important;
background: #E2E8F0 !important;
border-radius: 3px !important;
cursor: pointer !important;
outline: none !important;
margin-top: 4px !important;
}
#cc11-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%) !important;
color: #FFFFFF !important;
border-radius: 12px !important;
padding: 16px !important;
text-align: center !important;
display: flex !important;
flex-direction: column !important;
justify-content: space-between !important;
}
#cc11-calc-root .hero-stat {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
margin: 4px 0 2px !important;
}
#cc11-calc-root .hero-stat .val {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
}
#cc11-calc-root .hero-stat .lbl {
font-size: 12px !important;
color: #94A3B8 !important;
}
#cc11-calc-root .chart-container {
height: 160px !important;
margin-top: 10px !important;
}
#cc11-calc-root .hub-banner {
background: #0F172A !important;
color: white !important;
padding: 14px 20px !important;
border-radius: 10px !important;
display: flex !important;
align-items: center !important;
justify-content: space-between !important;
flex-wrap: wrap !important;
gap: 12px !important;
margin: 16px 0 !important;
border: 1px solid #1E293B !important;
}
#cc11-calc-root .hub-banner-content h3 {
color: white !important;
margin: 0 0 4px !important;
font-size: 15px !important;
}
#cc11-calc-root .hub-banner-content p {
color: #CBD5E1 !important;
margin: 0 !important;
font-size: 13px !important;
}
#cc11-calc-root .hub-banner a, #cc11-calc-root .hub-btn {
display: inline-block !important;
background: #10B981 !important;
color: white !important;
padding: 8px 18px !important;
text-decoration: none !important;
border-radius: 6px !important;
font-weight: 600 !important;
font-size: 13px !important;
white-space: nowrap !important;
transition: background 0.2s !important;
}
#cc11-calc-root .hub-banner a:hover, #cc11-calc-root .hub-btn:hover {
background: #059669 !important;
}
#cc11-calc-root .ad-slot-placeholder {
display: flex !important;
align-items: center !important;
justify-content: center !important;
background: #F1F5F9 !important;
border: 1px dashed #CBD5E1 !important;
border-radius: 8px !important;
min-height: 90px !important;
margin: 16px 0 24px !important;
color: #94A3B8 !important;
font-size: 12px !important;
text-transform: uppercase !important;
letter-spacing: 0.05em !important;
}

function syncFromRange(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { n.value = r.value; } }
}
function syncFromNum(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { r.value = n.value; } }
}

window.cc11IntroMonths = window.cc11IntroMonths || 18;
window.cc11FeePct = window.cc11FeePct !== undefined ? window.cc11FeePct : 3;

function runCC11Calculator() {
const bal = parseFloat((document.getElementById(‘numCC11Bal’) ? document.getElementById(‘numCC11Bal’).value : document.getElementById(‘rangeCC11Bal’).value));
const apr = parseFloat((document.getElementById(‘numCC11Apr’) ? document.getElementById(‘numCC11Apr’).value : document.getElementById(‘rangeCC11Apr’).value));

var b_CC11Bal = document.getElementById(‘valCC11Bal’); if (b_CC11Bal) { b_CC11Bal.innerText = ‘$’ + bal.toLocaleString(); }
var b_CC11Apr = document.getElementById(‘valCC11Apr’); if (b_CC11Apr) { b_CC11Apr.innerText = apr + ‘%’; }

// Update pills
document.querySelectorAll(‘.cc11-period-btn’).forEach(b => {
b.style.background = (b.dataset.months == window.cc11IntroMonths) ? ‘#10B981’ : ‘#F8FAFC’;
b.style.color = (b.dataset.months == window.cc11IntroMonths) ? ‘#fff’ : ‘#0F172A’;
});
document.querySelectorAll(‘.cc11-fee-btn’).forEach(b => {
b.style.background = (b.dataset.fee == window.cc11FeePct) ? ‘#10B981’ : ‘#F8FAFC’;
b.style.color = (b.dataset.fee == window.cc11FeePct) ? ‘#fff’ : ‘#0F172A’;
});

const introMonths = parseInt(window.cc11IntroMonths);
const feePct = parseFloat(window.cc11FeePct);

const transferFee = bal * (feePct / 100);
const currentCardInterest = bal * (apr / 100) / 12 * introMonths;
const netSavings = currentCardInterest – transferFee;

const resSavings = document.getElementById(‘resCC11NetSavings’);
if (netSavings > 0) {
resSavings.innerText = ‘$’ + Math.round(netSavings).toLocaleString();
resSavings.style.color = ‘#10B981’;
document.getElementById(‘resCC11BreakEven’).innerText = `You save $${Math.round(netSavings).toLocaleString()} even after the transfer fee.`;
} else {
resSavings.innerText = ‘-$’ + Math.abs(Math.round(netSavings)).toLocaleString();
resSavings.style.color = ‘#EF4444’;
document.getElementById(‘resCC11BreakEven’).innerText = `You lose $${Math.abs(Math.round(netSavings)).toLocaleString()} due to the transfer fee.`;
}

document.getElementById(‘resCC11Fee’).innerText = ‘$’ + Math.round(transferFee).toLocaleString();
document.getElementById(‘resCC11Avoided’).innerText = ‘$’ + Math.round(currentCardInterest).toLocaleString();

const ctx = document.getElementById(‘chartCC11’).getContext(‘2d’);
if (window.chartCC11 instanceof Chart) {
window.chartCC11.destroy();
}

window.chartCC11 = new Chart(ctx, {
type: ‘bar’,
data: {
labels: [‘Stay on Card (Interest)’, ‘0% BT Total Cost (Fee Only)’],
datasets: [{
data: [currentCardInterest, transferFee],
backgroundColor: [‘#EF4444’, ‘#10B981’],
borderRadius: 4
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
legend: { display: false }
},
scales: {
y: { beginAtZero: true, display: false },
x: {
ticks: { font: {size: 11} }
}
}
}
});
}
runCC11Calculator();

{
“@context”: “https://schema.org”,
“@type”: “FAQPage”,
“mainEntity”: [
{
“@type”: “Question”,
“name”: “Is a balance transfer fee worth it?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Yes, in most cases where you have a high balance and high APR. If the interest you avoid during the 0% promotional period is greater than the one-time transfer fee, you will save money.”
}
},
{
“@type”: “Question”,
“name”: “Do balance transfers hurt my credit score?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Initially, applying for a new card causes a small dip in your credit score due to the hard inquiry. However, paying down debt often leads to an improved score over time.”
}
},
{
“@type”: “Question”,
“name”: “Can I do a balance transfer between cards from the same bank?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Generally, no. Banks do not allow you to transfer debt between two of their own credit cards.”
}
}
]
}