An introductory rate is only one part of the agreement.
The essentials
A balance transfer moves debt to another card or account under an offer’s terms. A low introductory rate can help reduce costs, but transfer fees and the rate after the offer ends matter. Check whether the proposed limit is enough and whether all of the existing balance can be moved.
Put it into practice
Calculate a realistic payment schedule for the promotional period. Ask how new purchases are treated and what could end the offer early. Continue paying the old account until the transfer is confirmed. Keep the focus on reducing the debt rather than using the newly available limit to spend more.
Before you decide
Use this guide as a starting point for your own questions. Check the current terms in your documents and the rules where you live. Keep a short written record of the options you compare, the details you still need, and your next step.
This is general educational information, not personal financial, insurance, tax, or legal advice.