 TITLE: All You Need to Know About Balance Transfer Credit Cards CONTENT: When to Consider Using a Balance Transfer Credit Card\n-----------------------------------------------------\nA balance transfer is only a good idea when it will allow you to save money. That means the APR on the balance transfer card must be lower than your current APR, and you must be able to pay off the debt you transfer before the promotional period ends. If you're given 15 months at 0% APR, make a plan to pay off the debt within those 15 months, before your APR jumps.\nBalance transfer credit cards are generally only available to those with good or excellent credit, or a credit score of 670 or higher. That means you're ready to consider getting a balance transfer card once your credit score qualifies you for one. END