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A balance transfer card is a credit option that gives new cardholders a set period of time to pay off debt transferred from another card with no interest charged.

You might want to consider the Discover it® Balance Transfer. The card comes with 18 months of 0% Intro APR on balance transfers (then 17.24% - 28.24% Variable APR). There is a 3% intro balance transfer fee, then up to 5% on future balance transfers. So, if you transfer $8,200, the balance transfer fee would be $246. Let's take the amount you need to transfer, add the balance transfer fee, and divide by 18 months, the monthly payment would be $470 to pay off the debt and pay no interest.

As an alternative, see if the Wells Fargo Reflect® Card is good for you. The Wells Fargo® Reflect Card offers a lengthy interest-free period, which can make it less costly to pay down debt transferred from a high-interest card or to pay off large purchases. New cardholders get 0% intro APR on purchases and balance transfers for 21 months, followed by an ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR. Balance transfers made within 120 days qualify for the intro rate of 5% ($410 for the $8,200 amount transferred).

Thus, when you transfer your debt to the Wells Fargo credit card, the card's balance will be $8,610 (including the balance transfer fee). If you pay off that entire debt during the 0% APR intro period, which is 21 months, to avoid paying interest, your monthly payment will be at least $410.

If you don't want to bother with paying off your entire debt during the interest-free period, you can simply make the minimum monthly payments (2%-4% of the transferred amount plus monthly fees) every month, but in this case, it's worth remembering that when the 0% intro period ends, interest will start accruing on the remaining debt because by paying the minimum, you won't be able to pay off the entire debt. So, it's better to pay more than the minimum to minimize your debt as much as possible.