 TITLE: How a Balance Transfer Affects Your Credit Score CONTENT: The Bottom Line\n---------------\nA balance transfer credit card may negatively impact your credit in the short term. But if used appropriately, it can be part of a strategy to improve your score overall. Make sure to create a debt payoff plan, and follow through on it, so you take advantage of the interest savings a balance transfer provides. Then you'll not only experience the credit score benefits of debt freedom, but also the peace of mind it brings. END