平衡转账卡如何工作？
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。
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.