Advertising Practices. Since the ultimate purpose of a balance transfer is to save money, you want to choose a card that minimizes your costs as much as possible. What is a balance transfer? Issuers take other factors into account, including your income, overall debt levels and other credit activity.
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Read MoreIf a balance transfer saves you money in the long run, it's a good move. How to apply for a credit card. Types of balance transfer cards. Get more smart money moves � straight to your inbox. The grace period is the time between the end of the credit card billing cycle and the bill's due date. However, if the existing card already has a balance, the transfer will only increase. Card issuers will occasionally offer you a balance transfer promotion on a card you're already carrying, so you don't have to apply for a new card.