平衡转移是否会影响您的信用评分
a balance transfer can affect your credit score for two reasons. first, if you’re applying for a new card to transfer a balance to, the credit report an issuer pulls to determine whether or not to approve you can 伤害你的分数.
additionally, if you’re approved for the card and transfer an amount equal to the maximum credit limit on the new card, it will have an adverse effect on your overall debt-to-available-credit ratio, or 信用利用率. in other words, if you max out the new card by doing a balance transfer, that isn’t good for your score either.
您可以从同一卡转移余额的次数将取决于卡上的报价以及您拥有的信用额度。大多数介绍性余额转移优惠有一个设定的时间段，您可以在其中进行平衡转移。
例如，如果卡片说它在开设账户45天内的余额转账时，您可以在45天内尽可能多地转移，虽然您可能需要支付余额转账每次这样做的费用。
您也可能会兑现您的信用额度，这将阻止您进行任何转移。