 TITLE: What Is Balance Transfer APR? CONTENT: How to Make a Balance Transfer\n------------------------------\nOnce you're approved for a balance transfer APR that suits your needs, you can contact your new creditor to start the process. Credit card balances are the most popular debt to transfer, but it's possible to transfer most other debts, including personal loans.\nThe exact steps to transfer your balances depend on the balance transfer card issuer's specific rules. You might submit your account and transfer details for the lender who will then move the debt and notify you once it's done, or you may have to pay down your debt balances using funds transferred to your bank or sent to you via a check.\nDouble-check each account's terms and your budget calculations in advance so you can be ready to contact your issuers and initiate any transfers immediately. Balance transfers can take as little as a week or two, but you should plan for the process to take longer, just in case. If the intro APR offers requires debt to be transferred within a certain timeframe, a delay could mean missing out on your deal.\nIt's vital to keep making on-time payments on any balances you're transferring until you receive confirmation that your debts are on the new card—after all, you don't want to endure any additional fees right or credit score harm in the middle of your debt-paying journey. Then, continue making at least your monthly minimum on your balance transfer so you don't lose the intro offer or get hit with a penalty APR. END