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Step 1
Contact your credit-card company using the phone number on your bill, or log in to your account online.
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Step 2
Ask about balance transfers. If you are speaking to a representative on the phone, tell him you are interesting in transferring your balance from another card. He should be able to give you all the information you need.
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Step 3
Make sure you understand any fees involved. Many companies charge a fee (usually between 3 and 5 percent of the balance) to transfer. This might only be worth it if they are offering you a very low APR (interest rate).
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Step 4
Initiate the balance transfer online by selecting "Request a Balance Transfer." If both of your credit cards are at the same bank, this process will be simple. If not, you may have to give more information.
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Step 5
Write a check. Many credit-card companies send their customers checks that can be written using funds from your credit cards. You can use these checks to pay off other cards, which is a kind of balance transfer. You can also request these checks by calling your credit-card company.
How to Transfer Money From One Credit Card to Another
