{"id":48998,"date":"2021-07-08T12:37:48","date_gmt":"2021-07-08T04:37:48","guid":{"rendered":"https:\/\/www.comparehero.my\/?p=48998"},"modified":"2026-03-27T10:45:39","modified_gmt":"2026-03-27T02:45:39","slug":"credit-card-balance-transfer","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/credit-card-balance-transfer.html","title":{"rendered":"How Do Balance Transfers On Credit Cards Work?"},"content":{"rendered":"

We\u2019ve spoken a lot about the importance of getting out of credit card debt, but how do we actually do it? Well, here\u2019s one strategy; a credit card balance transfer. This strategy might be foreign to many people, hence this article is specifically designed to answer those questions.<\/p>\n

What is a balance transfer?<\/h2>\n

A balance transfer is officially defined as the action of moving your balances from one or multiple credit cards to a single card that offers a lower interest rate<\/a> for a fixed period of time. With a low interest rate, sometimes you can even see balance transfer offers at a 0% introductory interest rate.<\/p>\n

When used wisely, this consolidation technique can make it easier for you to be on top of payments.<\/p>\n

In theory, a balance transfer can help you save a lot of money while you buy some time to pay off your debt. But, in this capitalistic world, credit card companies don\u2019t just do it for free; there might be associated incentives as a way to make them money.<\/p>\n

The psychology of balance transfers<\/h2>\n

Although many credit card companies do offer a 0% introductory interest rate, that % can grow exponentially after the introductory period. Because of that, if you don’t stick to your initial plan and pay that debt off, you\u2019ll end up with even more debt really quickly.<\/p>\n

This detail in the fine print gets glazed over easily and people get too comfortable seeing the \u201cnew\u201d lower interest rate, thinking they\u2019ll have more time to pay. So it\u2019s really crucial that you know this information and don\u2019t get complacent with a short-term benefit.<\/p>\n

\"credit-card-balance-transfer-01\"<\/p>\n

How to do a balance transfer safely?<\/h2>\n

By a safe balance transfer, we mean doing it responsibly so that you\u2019re not caught off guard with the details.<\/p>\n

1. Create a payoff plan<\/h3>\n

In other words, this is your strategy<\/a> to pay off your balance in full before the introductory period expires.<\/p>\n

Calculate how much you need to pay off your balance, down to the penny because if you can\u2019t, you\u2019ll most likely end up paying more and it defeats the purpose of a balance transfer.<\/p>\n

2. What are the balance transfer fees?<\/h3>\n

Another important question to ask is, \u201cHow do credit card balance transfers work in terms of fees?\u201d Generally, balance transfer agreements require you to pay a percentage of your balance, labelled as processing fees.<\/p>\n

Then another question follows, \u201cIs it worth it? Is the money I\u2019ll save more than the balance fee?\u201d After all, what we\u2019re trying to do is to achieve net savings. But occasionally, you\u2019ll be able to find balance transfer programs with no transfer fees.<\/p>\n

3. It\u2019s not an excuse to go shopping<\/h3>\n

A balance transfer is arguably one of the last measures you can take to minimise your outstanding balance and interests. It is not an excuse for you to hit the mall just because the interest rates are 0%. When you add more and more to your credit card tab, the debt hole just becomes deeper and deeper and further prevents you from paying it off.<\/p>\n

Because you also have to think about \u201cWhat if I still can\u2019t pay off my balance after the balance transfer? What do I do then?\u201d<\/p>\n

Alternatives to a balance transfer<\/h2>\n

1. Consider paying off your balance on this card<\/h3>\n

Remember, credit card companies are out to make money, so the more you can\u2019t pay back, the more they\u2019ll make, and a balance transfer is just one of their ways to do that. A balance transfer program is a strategy for them to maximise the amount of money you\u2019ll need to pay them.<\/p>\n

If your gut feeling or your calculation tells you that it\u2019s not worth it, just don\u2019t do it.<\/p>\n

2. Negotiate for a lower rate<\/h3>\n

Again, this goes back to your history, credit score<\/a>, and the relationship you have with your issuer. Sometimes, your issuer might offer a promotional rate or allow their clients some leeway. One thing for sure in this case is that if you don\u2019t ask, you\u2019ll never know.<\/p>\n

\"credit-card-balance-transfer-02\"<\/p>\n

Be cautious<\/h2>\n

Be extremely cautious with using balance transfers, despite how good they might sound to you. Credit card companies don\u2019t just come up with a product for the sake of coming up with it, they\u2019re out to get your money. It\u2019s very easy to get sucked into a new card for the rewards, cashback, along with all the bells and whistles.<\/p>\n

It doesn\u2019t matter what it is; you have to make it work in your favour. If you have a plan already, then this could be the tool you\u2019re looking for, but if you don\u2019t, start by building more solid budgeting habits.<\/p>\n

Click here to find out how to get the right credit card for you:<\/p>\n

Tell me more!<\/a>
\n[tags]<\/p>\n","protected":false},"excerpt":{"rendered":"

We\u2019ve spoken a lot about the importance of getting out of credit card debt, but how do we actually do it? Well, here\u2019s one strategy; a credit card balance transfer. This strategy might be foreign to many people, hence this article is specifically designed to answer those questions. What is a balance transfer? A balance…<\/p>\n","protected":false},"author":268230141,"featured_media":59882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-48998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"\nHow Do Balance Transfers On Credit Cards Work?<\/title>\n<meta name=\"description\" content=\"You can reduce interest rates on your credit card balance with balance transfers. 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In Malaysia, several credit cards offer attractive balance transfer options that can help you save money and pay off your debts faster.\u2026","rel":"","context":"In "Credit Cards"","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top_5_Best_Balance_Transfer_Credit_Cards_in_Malaysia.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top_5_Best_Balance_Transfer_Credit_Cards_in_Malaysia.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top_5_Best_Balance_Transfer_Credit_Cards_in_Malaysia.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top_5_Best_Balance_Transfer_Credit_Cards_in_Malaysia.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top_5_Best_Balance_Transfer_Credit_Cards_in_Malaysia.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17645,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/what-is-balance-transfer-credit-card.html","url_meta":{"origin":48998,"position":1},"title":"5 Best Credit Cards for Balance Transfer in Malaysia","author":"CompareHero","date":"19 February 2024","format":false,"excerpt":"The one effective strategy in tackling credit card debt is to consider using balance transfer credit cards. If you're unfamiliar with this approach, this article is designed to provide answers and guidance. Balance transfer is the process of moving your existing credit card balances from one or multiple cards to\u2026","rel":"","context":"In "Credit Cards"","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI-Article.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI-Article.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI-Article.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI-Article.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI-Article.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17889,"url":"https:\/\/www.comparehero.my\/blog\/loans\/balance-transfer-vs-debt-consolidation-loan.html","url_meta":{"origin":48998,"position":2},"title":"Balance Transfers Vs Debt Consolidation Loan: Which Is Better In Helping You Clear Your Debt?","author":"CompareHero","date":"1 October 2020","format":false,"excerpt":"If you\u2019re struggling to pay off your debt, you can always consider using a balance transfer or a personal loan. But what is the difference between these two? Which one is the right one for you? Read this article to find out! 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Learn how you can save money by consolidating all of your credit cards\u00a0with a lower interest balance transfer plan and clear off your debts! BSN Balance Transfer This balance transfer program offers maximum flexibility as you can\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/CompareHero.png?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/CompareHero.png?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/CompareHero.png?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/CompareHero.png?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/CompareHero.png?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17772,"url":"https:\/\/www.comparehero.my\/blog\/debt-credit-score\/6-ways-to-pay-off-your-credit-card-debt.html","url_meta":{"origin":48998,"position":4},"title":"6 Ways To Pay Off Your Credit Card Debt","author":"CompareHero","date":"5 October 2022","format":false,"excerpt":"Sign up for a credit card, it\u2019ll be fun, they said! 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