The offer of a zero-interest credit card can look enticing when it arrives in the mail. Who doesn't want to avoid paying interest on credit card charges?

As with most things in life, there are pros and cons to using 0-percent credit cards. Here are some facts to consider before you respond to that offer:

Balance transfers: The 0-percent interest offer is a smart way to transfer balances from one card to another. Moving a high balance from a high-interest card to a zero-interest one can save you thousands of dollars.

Check the introductory period: Zero percent interest is only available for a certain amount of time, usually from six to 18 months. If you have a balance beyond that introductory period, you'll be paying interest again.

Avoid fees: Some 0-percent credit cards will waive transfer fees of 3-5 percent for new cardholders, and waiving the first year's annual fee is common. If the credit card provider won't offer these benefits, ask for them. If you do pay the fee, it will be rolled into your credit card balance.

Apply quickly: Balance transfers, which are the most common reasons for accepting a 0-percent credit card, are only available for a limited time when you get the offer. If you're sure it's going to save you money, then make the switch before the deadline ends,” usually 30 days but sometimes as long as four months.

Pay on time: A late payment of only one day can void the 0-percent APR, causing the interest rate to climb high and fast.

Pay in full: If you are going to use a 0-percent credit card to your advantage, pay it off entirely before the offer of free credit ends. Any amount that isn't paid in full before the 0-percent interest deal expires will be charged the full interest rate back to the date of purchase.

Don't transfer again and again: Promotional balance offers may arrive in your mailbox often. Only use one to pay off your credit card debt at zero interest, and don't apply for another card to transfer the balance to if you can't pay off the second card before the promotional term expires. It can cost you more money and can hurt your credit score.

Now that you know what to look for when your mail carrier arrives with an offer from a credit card company, you may be tempted to go on a spending spree. Don't. If so, the best solution may be to toss the offer in the trash.

Living & Working in McLean, VA: Pros & Cons (Local Guide)

By Michael Falcone • Updated Aug 18, 2025

Home ▸ Guides ▸ McLean, VA

Local Guide

Living & Working in McLean, VA: The Real Pros & Cons

Reading time: 8–10 mins Region: McLean, Tysons, Great Falls corridor

Tree‑lined street and elegant homes in McLean, VA (placeholder)

McLean blends quiet, tree‑canopied neighborhoods with fast access to Tysons, DC, and the George Washington Parkway. It’s where privacy and proximity meet—if you know which streets to target.

Pros (Why people choose McLean)

Proximity without the city noise. Minutes to Tysons, 15–25 minutes to DC in off‑peak via GW Parkway; quick access to I‑495, Route 123, and Route 7.
Top‑tier public schools. Many neighborhoods feed into highly rated FCPS pyramids; competitive private options nearby.
Lot size & privacy. Mature trees, larger lots than Arlington or Alexandria; pockets with estate‑style settings.
Safety & prestige. Quiet streets, well‑kept homes, and a refined, low‑key feel.
Outdoor access. Great Falls Park, Scott’s Run, and Langley Oaks trails are weekend staples.
Dining & retail upgrades. Tysons Corner Center, Tysons Galleria, and a growing fine‑dining scene within a 10‑minute radius.

Cons (The trade‑offs)

Peak‑hour traffic. GW Parkway, Chain Bridge, Route 123, and Route 7 bottlenecks can add significant time.
Price point. Premium land values; new builds and renovated homes command high multiples.
Walkability varies. Some pockets are car‑dependent; sidewalks aren’t universal on interior streets.
Older housing stock in core McLean. Many 1960s–1980s homes need updates; tear‑down activity is common.
Metro access is nearby—but not everywhere. Silver Line stations sit mainly in Tysons; plan for a short drive or bike unless you’re very close to the McLean station area.

Local note: If your commute depends on Chain Bridge or the GW Parkway, your exact street matters. Two similar addresses can mean a 10‑ to 20‑minute difference during peak.

Neighborhood snapshots (insider quick‑takes)

Langley / Chain Bridge Road Estate lots

Leafy, quiet, and close to GW Parkway. Popular for privacy, proximity to DC, and access to scenic trails.

West McLean sidewalk scene (placeholder)

West McLean Convenience

Near central McLean shops and dining; mix of renovated ramblers and new builds. Sidewalk coverage is better here.

Salona Village Walkable pockets

Coveted for proximity to downtown McLean and parks; premium for updated homes on larger lots.

Lewinsville / Chesterbrook School focus

Streets with a neighborhood feel, strong school pyramids, a CLub and Pool, and quick access toward Tysons and Arlington.

Tysons Fringe Urban access

Townhomes and newer builds within a short hop to Silver Line stations and luxury retail.

River Oaks / Potomac side Scenic

Near Scott’s Run and the river; serene streets and a nature‑first vibe. Limited retail—by design.

Commute & transit

Fast routes off‑peak: GW Parkway to DC (Chain Bridge/Memorial Bridge), I‑495 to Maryland or Dulles tech corridor.
Metro (Silver Line): Stations at McLean, Tysons Corner, Greensboro, Spring Hill. Most McLean addresses are a short drive or bike away.
Peak tips: Depart before 7:15am or after 9:15am for DC‑bound trips; in the evening, watch Route 7/123 merges near Tysons.
Airport access: DCA via GW Parkway; IAD via Dulles Toll Road or I‑495 express lanes.

Simplified commute map: McLean to DC, Tysons, airports (placeholder)

Schools (public & private)

Many McLean neighborhoods feed into sought‑after Fairfax County Public Schools pyramids. Several respected private schools are within a 15–25 minute radius. Admissions and boundaries change—verify for your specific address.

Local check: Before you bid, plug the address into the FCPS boundary tool and call the school office to confirm future‑year assignments.

Lifestyle: dining, parks & weekends

Dining: Elevated options cluster in Tysons Galleria and along Route 123/7; downtown McLean offers neighborhood favorites and low‑key gems.
Parks & trails: Great Falls Park, Scott’s Run Nature Preserve, Clemyjontri Park, and Langley Oaks. Many streets back to parkland—ask about trail cut‑throughs.
Retail: Luxury shopping at Tysons Galleria; everyday errands in central McLean. Expect ongoing enhancements along the Tysons corridor.

Costs & housing types

McLean skews higher than neighboring markets due to land value and lot sizes. You’ll find:

Renovated 1960s–80s colonials and ramblers on established streets.
New‑build luxury homes and curated infill projects (tear‑downs common).
Townhomes and condos closer to Tysons for a lower‑maintenance lifestyle.

Buyer tip: Premiums track lot characteristics: usable rear yard, tree canopy, topography, and street quietness. Two similar homes can appraise differently based on these subtleties.

Agent tips (street‑level insights)

Mind the cut‑throughs. Some streets feel busier during school drop‑off/commute windows; tour at those exact times.
Test your commute. Drive your actual route at your actual hours before you write.
Inspect the trees. Mature canopy is a signature here—evaluate health, root systems, and drainage around the foundation.
Plan for permits. Renovations and tear‑downs are common; build in time for Fairfax County reviews.
Sidewalks & safety. If walkability is key, shortlist West McLean/Salona pockets and verify sidewalk continuity on your block.

FAQs

Is McLean good for commuters?

Yes—especially if you leverage the GW Parkway and avoid peak bottlenecks. Silver Line stations nearby add flexibility.

How competitive is the market?

Turn‑key properties in prime pockets move quickly. Pre‑inspection, strong terms, and flexible post‑occupancy can help.

Which areas are most walkable?

Look around downtown McLean, West McLean, and select pockets near schools and parks. Tysons‑fringe townhomes are walkable to retail and Metro.

Thinking about McLean?

I tour these streets weekly and track off‑market inventory. Let’s refine your shortlist by commute, school path, and street‑level quiet.

Request a consult Browse McLean homes

Follow Me on Instagram

Follow Me

Leave a Message

Thank you for your message. I will be in touch with you shortly.

The Good and Bad of Zero-interest Credit Cards

Living & Working in McLean, VA: The Real Pros & Cons

Pros (Why people choose McLean)

Cons (The trade‑offs)