您如何将余额从一张信用卡转移到另一个信用卡？
第一的, choose the card you want to transfer a balance to. if you’re applying for a new balance transfer card online, you’ll have the option to choose to transfer a balance to the new card during the application process. otherwise, you can speak to an agent at the issuing bank for your new card to make the transfer.
be sure to read the card’s fine print and understand the terms and conditions of the card you’re transferring a balance to. things to look for include:
是否有余额转移费？
任何介绍性低或零4月份提供的条款是多长时间？
what’s the card’s ongoing interest rate after the intro period expires?
be aware that you won’t actually find out how much of a credit limit you’ll have on the new card until after you apply. this is important because you may not get approved for a line of credit as large as the amount you’re looking to transfer.
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.