Gather the following information for your balance transfer: If you make your budget too tight, you're unlikely to succeed. But be sure to keep a few small treats for yourself, such as buying an occasional latte. If you don't already have a budget, try software like Mint or You Need a Budget that can help categorize your purchases, set goals and eliminate unnecessary expenses. These can all eat into your potential savings. As with other types of credit cards, a balance transfer card may charge additional fees, such as foreign transaction, late payment or annual fees. If you don't make at least a minimum payment within 60 days of the due date, a penalty APR may apply to your balance and future purchases. You could lose your promotional rate if you pay your bill late, go over your card's credit limit or your payment doesn't clear. You can't transfer a balance to a new credit card if the balance is owed to the same credit card issuer, lender or one of its affiliates. ![]()
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