Balance transfers can potentially help your credit in several ways: Utilization Ratio: By transferring high-interest credit card balances to a new card with a higher credit limit or lower interest rate, you can reduce your credit utilization ratio. A lower utilization ratio is generally viewed favorably by credit scoring models and can positively impact your credit score. On-Time Payments: Making timely payments on your new credit card account, including the transferred balance, helps establish a positive payment history. Consistently making payments on time can improve your credit score over time. Debt Management: Consolidating multiple credit card balances into a single account through a balance transfer can make it easier to manage your debt. Having a structured repayment plan and reducing the number of open accounts can contribute to better credit management and potentially improve your creditworthiness. However, it's important to note that balance transfers alone may not significantly impact your credit score. Other factors such as payment history, credit mix, and length of credit history also play a crucial role in determining your overall credit health.