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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 credit card yet, we can recommend you consider the Discover it® Balance Transfer credit card. This card offers no annual fee, 18 months 0% Intro APR for balance transfers (17.24% - 28.24% Variable APR after that), 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. In addition, you will earn Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back any amount, any time. Rewards never expire.