Check the balance transfer offer on the new credit card
Confirm the transfer fee, interest rate, and promotional period
Make sure the new card’s credit limit is high enough to cover the transfer
Gather the account number and payment details for the card you want to pay off
Request the balance transfer through the new card issuer online, by phone, or in the app
Specify the amount you want transferred
Review and submit the transfer request
Wait for the transfer to be processed
Continue making payments on the old card until the transfer is complete
Pay at least the minimum payment on both cards during the transfer period
Track the transfer on your statements to confirm it was applied correctly
Pay off the transferred balance before the promotional period ends
Avoid making new purchases on the old card if the issuer applies payments to lower-interest balances first