Balance Transfers Questions

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User Questions & Answers about Balance Transfers

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Here you can ask or find questions about balance transfers. All questions about balance transfer credit cards, intro APR, balance transfer fees and other related questions are gathered here at your convenience. Or feel free to address your question to out experts.

Recently Answered Questions:

I have a Burkes Outlet card and I want to transfer my balance to another card with a lower APR. What do you recommend?

Answered by , at

Leo Zhu
You can transfer your balance to just about any general credit card. Just be sure that the card has a balance transfer feature. While some cards will charge you a 3% fee or more to transfer, others won't. Avoid cards with a transfer fee. ... Continue reading
I have a Goodys Department Store Credit card and I’m looking to move my balance to another credit card and then cancel my card. I have good credit, and I am wondering what card you would suggest.

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The good news is that you can go with any card that offers a balance transfer promotion, offering either a 0% APR for a set period of time, typically 6 months to a year, or one that includes a low overall interest rate. Continue reading
I have a balance I’d like to transfer, because it’s at a high interest rate. But the card I’m considering applying for charges a balance transfer fee. Should I avoid it or go ahead?

Answered by , at

As a general rule, people don't like paying fees. But sometimes, fees are worth paying. In the case of a balance transfer, it's often well worth paying a 3% fee on the balance, if it's a significant amount, and if your interest rate, or APR, is very high. Continue reading
I have the Blair credit card and I’m looking to move my balance to another credit card and then cancel my card. I have good credit, and I am wondering what card you would suggest.

Answered by , at

There are a variety of cards these days offering balance transfers, which come with low or no APR promotions, so that is the good news. The best way to find a card that works for you and comes with a balance transfer offer is to look at what other rewards and benefits come with the card. Continue reading
I have a VyStar credit card with big balance on it. I want to apply for a balance transfer credit card to pay off that balance. Can do it?

Answered by , at

Yes, you can. You can apply for a bank credit card that has a 0% intro APR on balance transfers to transfer your VyStar credit card balance on to it and pay your balance off at zero interest rate. Continue reading
I want to transfer the balance from my Elder Beerman credit card and close it. What card will allow me to do it?

Answered by , at

You can choose any credit card that is good for your current credit and offers 0% intro APR on balance transfers. Continue reading
I transferred a balance to a new card with a 0% APR promotional rate so I could pay my debt down faster. Can I still use the card to make purchases while I am making payments on my transferred balance?

Answered by , at

That's a good question, and one that many people don't think to ask before using their new balance transfer credit cards. In fact, you can use your new card to make purchases – but it's not a good idea to do so. Continue reading
I have a Citi credit card with some outstanding balance on it. My question is can I transfer this balance to a Schools credit card?

Answered by , at

Yes, it is possible to transfer a balance from a Citi card to a Schools Visa card. Note that to get the Schools Visa card, you should be a Schools Credit Union member. Continue reading

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Intro APR on Balance Transfer: 0% (21 months)*
For Excellent/Good Credit
Intro APR on Balance Transfer: 0% (12 months (on balance transfers made within 45 days of account opening))
For Excellent/Good Credit
Intro APR on Balance Transfer: 0% (18 months)*
For Excellent/Good Credit
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Balance Transfer: Save on Average $1,400

May 08, 2015