平衡转移需要多长时间？
it typically takes anywhere from two to seven days for your transfer request to be completed, but it depends on the issuer of the card you’re seeking to transfer a balance to.
例如，美国运通表示，它通常需要五到七天，从另一个银行转移完成，但它可能需要六周时间。花旗银行在其网站上表示，它可能需要两到21天，并且大多数转移在两周内完成。
这exact time for your transfer will likely depend on both the bank you’re transferring the debt to and the bank you’re transferring the debt from.
平衡转移的主要目标是省钱就现有债务。一种平衡转账卡可以省钱 by allowing you to transfer your debt to a new credit card ideally with a lower rate. once you’ve transferred the debt, you’ll make payments to the new card. ideally, you wouldn’t charge anything to your new balance transfer card so you can focus on paying down the balance.
由于大多数（但不是全部）信用卡具有余额转移费用，如果新卡具有比现有债务的利率较低或者在新卡上具有低促销报价，它通常只能有意义。