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Once you are approved for a balance transfer credit card, you will need to contact the new credit card company over the phone or online to request the balance transfer. They will ask you to provide your old cards account numbers and tell how much of your balance you want to transfer. After that, the balances from your old cards will be transferred to this new one. So, there will be no carrying debt on those cards anymore. The main thing is to find out what amount the new issuer allows you to transfer, as you can't transfer more debt than your new card has in available credit.

The transfer can take up to several weeks, so be sure to continue to make payments on your old cards until you get a confirmation the transfer is completed. That means your transferred balance is on the new card now. Therefore, there is no more debt on the old cards. However, remember that you will still need to make payments like annual fees on your remaining cards as they will still be active.

If you haven't chosen a balance transfer card yet, we can recommend you pay attention to the Citi® Diamond Preferred® Card. The card is a good choice as it comes with a $0 annual fee, a 0% Intro APR on balance transfers for 21 months from date of first transfer (13.74% - 23.74% (Variable) APR applies after that), and a balance transfer fee of 5% of each balance transfer; $5 minimum. All transfers must be completed in first 4 months.