Just need to contact someone with questions on transferring 3 cc onto one and which card would be the best to use. Thanks

Answered on September 06, 2012
Updated on September 06, 2012
The content is accurate at the time of publication and is subject to change.
James Williams James Williams

We do not offer call service for the time being but you can always write us and ask your question.
Meanwhile, as you are interested in balance transfer offers, let me tell you some general aspects that may be useful to you. First and the most important is that you can apply for a balance transfer credit card only if you have good-to-excellent credit history. It means that your credit score should be somewhere in space from 700s to 800s. If you do not meet this requirement it’s worth considering a different credit card.
The second thing you should know about is the amount of credit you are going to transfer. If you have outstanding balances on your credit cards, it is highly unlikely you will be able to move all this onto a single balance transfer credit card. However, if you transfer only a portion of it, this will be better than nothing and can be a big step towards lowering your overall debt.
Another thing to know when transferring balances is fee that may be charged by the issuer to complete the process. In general you will be asked to pay 3% - 5% of the transferring amount.
The decision to transfer balances from high rate credit cards to one offering a lower APR for several months or longer can appear a smart financial move. But as all important financial moves this requires calculation and discipline. Preliminary calculations you can do even right now. Use you our balance transfer calculator to know if it is worth transferring your balances.
This is only general information and if you want something to be clarified or have some particular questions, feel free to contact us.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


When you first face credit card issues, some phenomena can come as a bit of a shock. For example, balance transfers may seem unintelligible, but in fact they are quite easy to understand. You have a balance on card A and then you transfer it onto card B. Cards for balance transfers usually have low intro rate offers on balance transfers, so for the first time you may have even a 0% APR offer. That will allow you to pay off some or all of your balance with little interest and save quite a lot. So that is quite an option. Note that balance transfer cards with attractive low rate intro offers...
Unfortunately, you won't be able to transfer the balance of one Wells Fargo credit card to another Wells Fargo credit card as balance transfers between two cards of one issuer are not allowed. You will need to apply for a credit card from a different issuer.
Unfortunately, you won't be able to transfer the balance of one U.S Bank credit card to another U.S Bank credit card as balance transfers between two cards of one issuer are not allowed. You will need to apply for a credit card from a different issuer.

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