Where Can I Find Balance Transfer Cards for People With Less Than Perfect Credit?

By Andrew Smith

  • Overview

    Transferring your debt from one credit card to another can make paying off your debt much easier. If you don't have the best credit, there are websites that list balance transfer cards specifically for individuals in your situation. By comparing and applying for the different credit cards listed on this site, you can start paying off your debt and improving your credit score at the same time.
    • Step 1

      Go to the Credit Card XPO homepage. Click the "Balance Transfer Cards" link found in the middle of the page. Click the "Bad/Poor Credit" link underneath the "Browse by Credit Needed" heading on the left side of the next page. Read information about the different balance transfer cards listed on the website and apply for a card over the Internet.
    • Step 2

      Log onto the Credit Card Guide website. Scroll down and select the "Cards for People With Bad Credit" link underneath the "Cards by Credit Rating" heading found on the left side of the page. Read through the information for each card to learn more about the balance transfer information for that particular credit card, and click "Apply Here" to apply for that credit card online.

    • Step 3

      Visit the Best Credit Card Offers website. Click the "Fair Credit Card Offers" or "Limited Credit Card Offers" link found beneath the "Poor Credit Card Offers" heading on the left side of the page. You will find four different credit cards listed on the top of the next page. These are the "best" cards according to the site. Scroll down to find other credit cards, as well.
    • Step 4

      Search for balance transfer cards on the Credit Cards website. Click the "Bad Credit" or "Fair Credit" link underneath the "Search by Credit Quality" heading that is located on the left side of the page. Scroll down the page to find different credit cards and to read information about those credit cards. Pay particular attention to the "Balance Transfer" heading located underneath the card. This is how you will know whether or not this is a balance transfer card.
    • Skill: Easy
    • Tip: Not every card listed on these websites will offer balance transfers. Read the information about the credit cards carefully to know if the card does accept balance transfers.
    • Tip: You can also apply for these cards over the phone. After you click the "Apply" tab or link, you will be redirected to the website for that credit card. On that site, you can locate a toll-free customer service number. Call this number to apply for the balance transfer card over the phone.
    • Warning:
    • Read all the information about the credit card before transferring your credit to the card. Most balance transfer cards will offer a low APR at first, but this APR will go up in time. Also, APR will increase dramatically if you miss a payment. This is especially true for individuals with poor credit.

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