A balance transfer can be a smart way to pay off credit card debt without the big interest charges. Here are 3 steps to take to make the most of this move.
But even if there's a balance transfer fee, it may still be worthwhile to complete a transfer. Cards with transfer fees typically offer the longest intro 0% APR periods. For example, the3. Pay off your balance before the intro period ends
"Balance transfer cards can be a great vehicle to temporarily alleviate the interest burden you're facing on other credit cards," Torabi says. "But you want to be sure that you can commit to paying down the debt within the introductory 0% APR time frame. After that, your interest rate may adjust higher, and you may find yourself back in the same shoes."
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