 TITLE: What Happens After a Balance Transfer? CONTENT: Beware of Serial Balance Transfers\n----------------------------------\nIf you still have outstanding credit card debt as the clock ticks down on the intro period on a balance transfer card, you might think about getting another balance transfer card to cover whatever remains from your last transfer.\nThere's nothing to stop you from looking into that option, but there are some concerns you should be aware of if you're considering it:\n*   If the promotional period on your balance transfer card is relatively short (six to nine months), your credit score may be only just fully recovering from the natural dips associated with establishing new credit—and applying for another card will cause your score to dip all over again. You'll have better chances of improving your borrowing terms if you wait at least 12 months and give your credit scores more time to reflect the results of your debt reduction efforts.\n*   Credit card issuers are wary of applicants who seek low interest transfer cards while maintaining high levels of debt, so if you haven't made a good dent in your overall debt level since receiving your last balance transfer card, you may have difficulty qualifying for another one. END