Review your financial situation: Check your current debt balance and determine how much you can dedicate to monthly payments.
2. Find a balance transfer card with an introductory period that aligns with your payment ability and debt.
3. Don’t forget to account for any fees that may apply.
4. Make sure you have a good chance of approval before applying for the card. Read the fine print of the card’s terms for details on penalties or balance transfer restrictions.
5. After approval, request your balance transfer. The clock starts on your intro period after approval, so act quickly to maximize the period in full.