 TITLE: Should I Make a Balance Transfer? CONTENT: What to Do After Getting a Balance Transfer Credit Card\n-------------------------------------------------------\nCongrats! You got approved and just received your balance transfer card. The first thing you should do is start transferring any balances you have. Each card will have a unique process you'll need to follow to transfer balances, so call your card issuer for instructions.\nTransfer your balances early rather than later. If you have an introductory APR, you'll get the most value if you utilize it for as long as you need. Remember that once the introductory period is over, your APR will jump to a higher rate and your remaining balance will start accruing interest. Plan to pay as much as possible toward your debt during that introductory period to avoid high interest charges once it ends.\nAlso plan how you will use the card. If you are using the card for the sole purpose of getting rid of your existing debt, then consider not using this card for new purchases. Remember that new purchases are often not included in the promotional APR and can sometimes result in you losing your promotional rate. END