9 Best Balance Transfer Credit Cards In Canada (Oct 2022)

September 9, 2022
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There are quite a few good balance transfer credit cards in Canada, but some stand out above the rest for their long grace periods, low interest rates on purchases, and even rewards like cash back or travel points. I constantly keep up with the latest promo rates and interest rates and make my recommendations below based on years of experience.

I recommend the BMO AIR MILES MasterCard as the #1 balance transfer credit card in Canada due to its travel perks and high earn rates at partner stores, medical and travel insurance, and no annual fees. Our #2 BMO CashBack MasterCard is another solid option if you prefer cash back instead of travel rewards on your balance transfers.

What Is A Balance Transfer Credit Card?

Balance transfer credit cards are a type of credit card that allows you to transfer your outstanding balance from other credit cards. Transferring your balance to these cards can have many benefits, including minimizing the total interest you pay on your debt and simplifying your finances by consolidating your debt.

Balance transfer credit cards charge low-to-no annual fees; anything above $50 is considered a high fee for this type of card. Some of the benefits you can expect are promotional grace periods where you won’t pay any interest on your debt or periods with very low-interest rates ranging from 0.99% to 1.5%. The fee for transferring your balance is usually 1%, which is reasonable considering how much you will save if you manage to pay off your debt in full during the grace period. Balance transfer credit cards have a fair-to-excellent credit score requirement.

Without further ado, here are the best balance transfer credit cards Canada has to offer:

The Best Balance Transfer Credit Cards In Canada

  1. BMO AIR MILES MasterCard: Best for low transfer fee and no annual fee
  2. BMO CashBack MasterCard: Best for cash back rewards
  3. CIBC Select Visa Card: Best for zero introductory interests for the first 10 months
  4. MBNA True Line Mastercard credit card: Best for low interest on purchases with no annual fee
  5. MBNA True Line Gold Mastercard: Best for low interest on purchases with an annual fee
  6. President’s Choice Financial World Elite Mastercard: Best for generous welcome bonus
  7. Scotiabank Value Visa Card: Best for medical and job insurance
  8. Tangerine Money-Back Credit Card: Best for unlimited cash back
  9. Tangerine World Mastercard: Best for premium cash back and purchase insurance

BMO AIR MILES MasterCard

Great for travel perks, bonus points on partner stores, and travel insurance
  • Annual Fee
    $0
  • Interest Rate
    19.99% on purchases, 22.99% on cash advances
  • Welcome Bonus
    1,500 pts
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn 1,500 AIR Miles bonus miles as a welcome bonus
    • No Annual fee
    • Discount on car rentals in Canada and abroad
    • Extended Warranty and purchase protection
  • Pros & Cons

    Why we like it

    Great for travel perks, bonus points on partner stores, and travel insurance

    Pros

    • 1,500 bonus welcome points
    • Earn 3 BMO AIR MILES for every $25 spent at AIR MILES partner stores
    • Show your AIR MILES Card at participating partners and earn twice the amoung of AIR MILES
    • Add additional cardholders and get free AIR MILES
    • Comprehensive travel insurance
    • 25% off at National Car Rental and Alamo Rent a Car locations

    Cons

    • Needs a good credit score (660+)
    • Low earn rate when not shopping at partner stores (1 point per $25 spent)
  • More Details

    Bonuses and fees 

    The BMO AIR MILES Mastercard is a no-fee low-interest travel card. It comes with a generous welcome bonus and is a great option if you want to transfer your card balance: there is a 1% fee on transfers and an introductory interest rate of just 1.99% for the first 9 months. 

    Rewards

    You can earn AIR MILES in two ways. Rates are:

    • 3 miles per $25 spent at participating AIR MILES partners
    • 2 miles per $25 spent on groceries

    Additionally, you can get double the miles by showing your AIR MILES card at participating shops and retailers.

    Perks and Benefits 

    • 25% off at partner rentals National Car Rental and Alamo Rent A Car locations
    • Bonus miles when you add an authorized users
    • Warranty and purchase protection

    Insurance 

    The BMO AIR MILES World Elite Mastercard has comprehensive medical and travel insurance, including car rental, flight delay, and baggage insurance.

BMO CashBack MasterCard

Great for high earn rate on groceries and very low balance transfer fees
  • Annual Fee
    $0
  • Interest Rate
    19.99% on purchases, 22.99% on cash advances
  • Welcome Bonus
    $25
  • Rec. Credit Score
    660+
  • Features & Benefits

    • $125 in cash back as a welcome bonus after spending $2,500 within your first 3 months
    • Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred
    • Redeem your cash back as a direct deposit, credit on your statement, or a deposit to your BMO InvestorLine account
    • Extended Warranty and purchase protection
    • Discount on car rentals
  • Pros & Cons

    Why we like it

    Great for high earn rate on groceries and very low balance transfer fees

    Pros

    • Earn 5% cash back on all purchases for the first 3 months
    • 3% cash back on groceries
    • Very low introductory interest rate (1.99%) for the first 9 months
    • Redeem any amount of cash back instantly & set up automatic deposits
    • Extended warranty and protection on all purchases
    • 25% off at National Car Rental and Alamo Rent a Car locations

    Cons

    • Cash back capped at $500/month
    • Low base earn rate
  • More Details

    Bonuses and fees

    The BMO CashBack Mastercard is a no-fee credit card that offers very competitive cash back rates, even compared to some premium credit cards. New cardholders can enjoy a 5% cash back on all purchases for the first three months. If you’re looking to transfer your balance, this is also a great option; the BMO CashBack Mastercard charges just 1% in transfer fees and has a fixed 1.99% rate for the first 9 months.

    Rewards

    The BMO CashBack Mastercard offers cash back on all purchases and bonuses in certain categories. Here’s the breakdown:

    • 3% cash back on groceries 
    • 1% on subscriptions like streaming services and utilities
    • 0.5% on all other purchases

    Perks and Benefits

    Redeeming Your Cash Back

    After accumulating $25 in cash back, you can redeem it at any time. Here are the options you have:

    • Set up deposits directly into a BMO account (Savings, Chequing, or InvestorLine)
    • Get a credit on your monthly statement
    • Set up recurrent payments when you accumulate a certain amount of cash back
    • Get a one-time lump sum payment

    Keep in mind your cash back rewards won’t expire as long as your account is in good standing.

CIBC Select Visa* Card

Great for no interest on balance transfers for the first year cash back at gas stations
  • Annual Fee
    $29
  • Interest Rate
    13.99% on purchases, 13.99% on cash advances
  • Welcome Bonus
    N/A
  • Rec. Credit Score
    660+
  • Features & Benefits

    • 0% introductory interest rate on balance transfers for your first 10 months
    • 1% balance transfer fee
    • Join the Journie Rewards program and get 10 cents back per litre of gas at Pioneer, Ultramar, Fas Gas, and Chevron gas stations
  • Pros & Cons

    Why we like it

    Great for no interest on balance transfers for the first year cash back at gas stations

    Pros

    • 0% interest for the first 10 months after transferring your balance
    • Very low 1% balance transfer fee
    • Save up to 10 cents per litre of gas at Pioneer, Fas Gas, Ultramar and Chevron gas stations
    • Low purchase interest rate of just 13.99%
    • Request up to 3 additional cards at no cost
    • Transfer up to 50% of your assigned credit limit

    Cons

    • No cash back feature
    • No credit building
  • More Details

    Bonuses and fees

    The CIBC Select Visa Card has a $29 annual fee (completely waived for the first year for new cardholders). To apply for this card, you need a credit score of at least 660 and an annual income of $15,000 or more.

    Interest rates on purchases and cash advances are extremely low – just 13.99% -, considerably lower than the industry average for this type of card.

    Perks and Benefits

    The CIBC Select Visa Card offers a very low balance transfer rate of just 1% and a promotional interest rate of 0% for the first 10 months after applying and receiving your card. You can transfer a maximum of 50% of your credit limit, depending on factors like your annual income and credit card history. You will also get 10 cents when purchasing gas at partner stores Pioneer, Fas Gas, Ultramar, and Chevron by linking up with Journie Rewards.

    Another benefit is a 25% discount on car rentals (Avis and Budget) in Canada and the US. You can also request up to 3 additional cards every year at no cost and access instant cash advance for up to $1,000 daily.

    Insurance

    The CIBC Select Visa card comes with Common Carrier Accident Insurance, which covers up to $100,000 in damages when flying, travelling by ferry, train, or bus. To qualify for the CIBC Emergency Travel Medical Insurance, make sure to pay any medical fees using the CIBC Card, and your spouse and your children will be automatically covered for up to $100,000.

MBNA True Line Mastercard credit card

Great for no interest on balance transfers for the first year and no annual fee
  • Annual Fee
    $0
  • Interest Rate
    12.99% on purchases, 24.99% on cash advances
  • Welcome Bonus
    N/A
  • Rec. Credit Score
    660+
  • Features & Benefits

    • 0% introductory interest rate for the first 12 months
    • Around-the-clock fraud protection
    • Transfer your credit to your chequing account
  • Pros & Cons

    Why we like it

    Great for no interest on balance transfers for the first year and no annual fee

    Pros

    • 0% interest rate on balance transfers for the first 12 months
    • No annual fee
    • 10% off car rentals (Avis and Budget) in Canada and the US
    • Make payments on the go with Apple Pay
    • Add up to 9 authorized users at no cost
    • Industry low annual interest rates on purchases starting at 12.99%

    Cons

    • Needs a good credit score (660+)
    • High interest rates on cash advances (24.99%)
  • More Details

    Bonuses and fees

    The MBNA True Line Mastercard doesn’t charge annual fees and supports up to 9 authorized users – at no additional cost. You can also set up eligible credit card purchases over $100 and pay them back in monthly installments over the course of 6-18 months.

    To apply for this card, you just need to be a Canadian resident of age – there’s no minimum income required. However, you will need a credit score of at least 660.

    Perks and Benefits

    One of the main perks of the card is its low-interest fees. The regular annual interest rate is just 12.99%, compared to the industry standard of 19.99%, and the interest rate on balance transfers is also 12.99%.

    Using your MBNA True Line Mastercard to rent a car at participating Budget and Avis locations will get a 10% discount (applies internationally).

    Insurance

    This card comes with Mastercard Zero Liability and extended protection on all purchases, so you won’t be responsible for unauthorized purchases.

MBNA True Line® Gold Mastercard®

Great for low annual fee and low interest on purchases and balance transfers
  • Annual Fee
    $39
  • Interest Rate
    8.99% on purchases, 24.99% on cash advances
  • Welcome Bonus
    N/A
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Around-the-clock-fraud protection
    • Access to 24/7 customer service
  • Pros & Cons

    Why we like it

    Great for low annual fee and low interest on purchases and balance transfers

    Pros

    • A low annual fee of just $39
    • Purchase assurance and warranty
    • Request up to 9 additional cards at no cost
    • Low interest rates on purchases and balance transfers (8.99%)
    • Fraud protection on all spendings
    • Customer service available 24/7

    Cons

    • No rewards on purchases
    • No welcome bonus
  • More Details

    Bonuses and fees

    The MBNA True Line Gold Mastercard has a relatively low annual fee of $39. It has round-the-clock customer support and very thorough fraud protection and has very competitive interest rates on balance transfers (8.99%) and purchases (8.99%), which makes it a good low-interest option. However, interest rates on cash advances are very high at 24.99%, so if cash advances are the primary reason you’re looking for a card, you should consider other options.

    There are no minimum income requirements to apply for this card, but there’s a 660 credit score minimum.

    Perks and Benefits

    Low-interest credit cards don’t offer a lot of perks, but here are some of the benefits of MBNA Mastercards:

    • 10% off car rentals at partner Budget and Avis stores worldwide
    • Full coverage and purchase assurance for the first 90 days
    • Doubles the warranty for up to an additional year when you pay using your MBNA card
    • Fraud protection on all spending

President’s Choice Financial® World Elite Mastercard®

Great for earning PC points and very low credit score requirement
  • Annual Fee
    $0
  • Interest Rate
    20.97% on purchase, 22.97% on cash advances
  • Welcome Bonus
    20,000 pts
  • Rec. Credit Score
    560+
  • Features & Benefits

    • World Elite Mastercard Earn 20,000 PC Optimum points as a welcome bonus
    • Extended warranty and purchase assurance
    • Access to Mastercard Global Services
    • Complimentary Concierge Services
    • Fraud protection and Proactive monitoring to manage and protect your credit card information
  • Pros & Cons

    Why we like it

    Great for earning PC points and very low credit score requirement

    Pros

    • 20,000 bonus welcome points
    • Earn up to 45 PC points per $1 when purchasing at partner stores
    • Comprehensive travel and medical insurance
    • Complimentary Concierge service
    • No annual fee
    • Relatively low credit score requirement (560+)

    Cons

    • PC points can only be redeemed at select stores
    • Requires a minimum yearly income of $80,000
  • More Details

    Bonuses and fees

    The President's Choice Financial Mastercard is a store credit card that offers very generous rewards when you shop at any of its partner stores. It doesn’t charge annual fees, and you can earn bonus points on most everyday purchases.

    Rewards

    PC Financial is partnered with a lot of stores; here are some of the best rewards by category:

    • 45 PC points per $1 spent at Shoppers Drug Mart
    • 30 PC points per $1 spent on grocery stores (Loblaws, No Frills, and more)
    • 30 PC points per litre of gas at Esso gas stations
    • 10 PC points per $1 spent everywhere else 

    Make sure to check PC Financial site for new partner stores.

    Perks and benefits

    • 21-day interest-free grace period on purchases
    • 4 free additional authorized users
    • Extended warranty
    • Complimentary Concierge services

    Insurance

    • Medical emergency insurance
    • Car rental collision insurance
    • Identity theft assistance

Scotiabank Value Visa Card

Great for building your credit, low balance transfer fees, and no annual fee
  • Annual Fee
    $29 (1st year free)
  • Interest Rate
    12.99% on purchase, 12.99% on cash advances
  • Welcome Bonus
    N/A
  • Rec. Credit Score
    660+
  • Features & Benefits

    • 0% introductory interest rate for the first 6 months
    • Annual fee waived for the first year
    • Transfer your balance seamlessly and pay higher interest balances quicker
  • Pros & Cons

    Why we like it

    Great for building your credit, low balance transfer fees, and no annual fee

    Pros

    • 0% interest on cash advances for the first 6 months
    • No annual fee for the first year
    • Low interest rate of just 12.99%
    • A low annual fee of just $29 (waived the first year)
    • Great for building your credit score (reports monthly to TransUnion)
    • No fees when requesting additional cards

    Cons

    • No welcome bonus
    • No rewards or perks
  • More Details

    Bonuses and fees

    The Scotiabank Value Visa Card is a low-interest credit card with a low annual fee of $29, waived for the first year. This card offers an introductory interest on cash advances of 0% for the first 6 months, and 12.99% after that. The same interest rate applies to purchases.

    Perks and benefits

    • Great for rebuilding your credit history
    • Interest-free grace period
    • Pay lower interests by transferring your balances to the Scotiabank card
    • Set up payment schedules on purchases over $100 through Scotiabank’s SelectPay, and pay no interests
    • Complimentary Avis and Budget car rental membership plus 25% discount in Canada and the US

    Insurance

    The Scotiabank Value Visa Card offers two insurance bundles, Basic and Comprehensive Protection. 

    • The basic bundle includes medical insurance for up to $50,000
    • The Comprehensive bundle includes medical, job loss, strike or lockout, and disability insurance

Tangerine Money-Back Credit Card

Great for no annual cash back limit and a low interest rate on balance transfers
  • Annual Fee
    $0
  • Interest Rate
    19.95% on purchases
  • Welcome Bonus
    $100
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn $100 cash back welcome bonus after spending $1,000 within your first 2 months
    • Earn bonus cash back on 2 categories plus an additional category when you link your Tangerine Savings Account
    • No limit on how much cash back you can earn
  • Pros & Cons

    Why we like it

    Great for no annual cash back limit and a low interest rate on balance transfers

    Pros

    • $100 bonus
    • Select 2 Money-Back categories and start earning 2% cash back (0.50% cash back on all others)
    • There's no annual limit to how much cash back you can earn
    • Cash back earnings are paid out monthly
    • Customizable cash back spending categories
    • Low 1.95% interest on balance transfers

    Cons

    • Very limited features
    • Low cash back rate compared to other cash back cards
  • More Details

    Bonuses and fees

    The Tangerine Money-Back Credit Card is a no-fee cash back card that can be customized to match your spending. With this card, you can choose your favorite cash back categories and earn bonus cash back. It comes with a promotional cash back rate of 15% on all purchases for the first 2 months, capped at $1,000, so you can earn up to $150 in cash back.

    Perks and Benefits

    The Tangerine Money-Back Credit Card brings a lot of flexibility compared to other cash back cards out there. For starters, cardholders can choose their preferred cash back categories and earn 2% cash back in two categories – three if you create a Tangerine Savings Account – and 0.5% cash back on all others. Here are the eligible categories:

    • Gas
    • Groceries
    • Pharmacies & drug stores
    • Entertainment
    • Hotels & motels
    • Home Improvement
    • Restaurants
    • Transportation

    Keep in mind you can change your chosen categories at any time, but it might take some time for it to take effect.

    Redeeming Your Rewards

    Cash back rewards are deposited directly into your Tangerine Savings Account, if you have one (highly recommended, to unlock the third bonus category), or applied to your credit card balance. Cash back rewards are paid out monthly, and there is no limit to how much cash back you can earn.

Tangerine World Mastercard

Great for promotional cash back rate and customizable cash back categories
  • Annual Fee
    $0
  • Interest Rate
    19.95% on purchases, 19.95% on cash advanes
  • Welcome Bonus
    $150
  • Rec. Credit Score
    725+
  • Features & Benefits

    • Earn $100 cash back welcome bonus after spending $1,000 within your first 2 months
    • Earn bonus cash back on 2 categories plus an additional category when you link your Tangerine Savings Account
    • No limit on how much cash back you can earn
  • Pros & Cons

    Why we like it

    Great for promotional cash back rate and customizable cash back categories

    Pros

    • $150 bonus
    • Earn 10% cash back on all purchases for the first 2 months (2% cash back on 2 categories afterwards)
    • Unlock a third category and earn 2% cash back by creating a Tangerine Savings Account
    • There's no annual limit to how much cash back you can earn
    • Mobile device & rental car insurance
    • Customizable cash back spending categories

    Cons

    • No free passes included with the Mastercard Travel Pass (DragonPass)
    • Requires a minimum yearly income of $60,000
  • More Details

    Bonuses and fees

    The Tangerine World Mastercard is a no-fee customizable cash back card that allows you to choose how to earn additional cash back. You can choose from 10 categories and earn bonus cash back with no annual limits. New cardholders will get promotional cash back of 15% for the first two months on all purchases up to $1,000 spent ($150 cash back).

    Rewards

    With Tangerine, you can select which categories you will earn extra cash back on. Keep in mind you can change them at any time, but it will take up to 90 days before it takes effect.

    • 2% cash back in two categories (choose from gas, groceries, hotels, home improvement, and more)
    • 0.5% cash back on all other purchases

    Perks and benefits

    • Unlock an additional 2% bonus cash back category by linking your Tangerine Savings Account with your credit card
    • Access to the Mastercard Travel Rewards program when purchasing abroad
    • Access to the Boingo Wi-Fi network worldwide
    • Complimentary DragonPass Mastercard Travel Pass
    • Choose from 10 cash back categories to earn bonus cash back

    Insurance

    Up to $60,000 in coverage for all purchases plus:

    • Loss, theft, and damage insurance
    • Extended warranty (up to 1 additional year)

How Do Balance Transfer Credit Cards Work?

Balance transfer credit cards work by reallocating the debt you may have on a credit card and transferring it into another. The main reason to do this is the interest rates. If you are falling behind on payments on your main credit card and the interests are piling up, you may want to transfer your outstanding balance to a credit card that offers a lower interest rate. 

Why get a Balance Transfer Credit Card?

Balance transfer credit cards usually offer promotional rates of 0%-1% for the first 6 months plus a transfer fee that ranges from 1%-5%. This is significantly lower than Canada's 19.99% average interest rate on regular credit cards, which means you can save a lot of money if you use these smartly.

Keep in mind that even if it offers a low introductory interest rate, you still have to pay on time to maintain it – but you will pay little-to-no interest.

Pros & Cons Of Balance Transfer Credit Cards

Pros: Why A Balance Transfer Credit Card May Be Worth It

  • Very low promotional interest rates and interest-free grace periods
  • Save up on the interest fees and pay off your debt faster
  • Some balance transfer credit cards offer perks like cash back
  • Low base interest rates on all debt
  • Improve your credit score by paying off your debt

Cons: Why A Balance Transfer Credit Card May Not Be Worth It

  • If the balance transfer fee is too high, you might end up paying more
  • Most balance transfer credit cards require a high credit score
  • You might get approved for only a fraction of your debt

How To Choose A Balance Transfer Credit Card In Canada

Balance transfer fee 

One of the most important things to look at is the transfer fee. This fee will determine whether it’s worth transferring your balance or paying off the debt on your main card. For this reason, most balance transfer credit cards in Canada offer very low transfer fees, around 1%-2%. 

Promotional interest rate

All balance credit cards come with a promotional interest rate or grace period. It usually lasts between 6-10 months, and it’s a great way to start putting money towards paying your credit card debt. Keep in mind that you will still need to pay your monthly balance – just no interest. Look for the credit card that offers the longest promotional period.

Annual fee

If you’re looking to pay off debt, the last thing you want is an annual fee. Some cards offer cash back or other perks to attract customers. Still, those perks usually encourage spending – and if you’re shopping for a balance transfer credit card, you’re probably looking to reduce your spending. Look for a card that charges no annual fee; you can always apply for a dedicated rewards card that will offer better perks.

Issuer

Usually, credit card issuers don’t allow their customers to transfer their credit card balance between two of their cards. In most cases, you will need to find a card from another issuer. Make sure you can transfer your balance to a card before you apply for it – otherwise, your credit score will take a hit, and you won’t be able to transfer your balance.

Credit score 

Most balance transfer credit cards require a good-to-excellent credit score of at least 660. Make sure you meet the required credit score before you apply for a transfer credit card. 

How To Apply For A Balance Transfer Credit Card In Canada

Applying for a balance transfer credit card and successfully transferring your balance can be tricky. Here are the steps you have to follow:

  • Once you have found the perfect transfer credit card for you, apply for it
  • When prompted, provide your new credit card issuer with all the information about the debt you’re looking to transfer. This includes the amount, the issuer of the debt, and some of your basic information
  • Contact your main credit card issuer and confirm all the information you provided to the balance transfer credit card issuer
  • Wait until the transfer is approved – It may take a couple of days for them to review your application.
  • After the transfer is approved, your debt will be transferred – usually within the month
  • When the transfer is complete, you will be able to track your balance from your new card and start making payments. Make sure not to fall behind so you don’t get penalized

Balance Transfer Credit Card FAQs

Are Balance Transfer Credit Cards Worth It?

Balance Transfer cards might be worth it for you:

  • If you’re looking to pay down your credit card debt in the next 6-8 months, but the additional interests wouldn’t allow you to
  • If you just made a large purchase and can’t quite pay off the debt at the moment and would otherwise fall behind on payment
  • If you want to simplify the process of paying off your credit cards by moving all your debt into a single card
  • If you want to reduce your utilization ratio and increase your credit score by paying off your debt

Balance Transfer cards might not be worth it for you:

  • If you do the math and the balance transfer fee ends up costing you more than paying off the balance on your main card would
  • If you have trouble paying your monthly balance, and depending on the card specifications, you might lose your promotional interest rate if you miss a payment

What Is The Best Free Balance Transfer Credit Card In Canada?

The best free Balance Transfer card in Canada is the CIBC Select Visa. It has a promotional 0% interest rate for the first 10 months and a low transfer fee of 1%.

Do Balance Transfers Affect Your Credit Score?

Yes, transferring your balance can affect your credit score. Usually, in a positive way – people who apply for balance transfer credit cards are looking to pay off their credit card debt; by taking advantage of the promotional grace period of no interest, cardholders can reallocate the money that would go towards paying off interests to pay off their credit card debt. This will, in turn, reduce the utilization percentage on your credit card and increase your credit score.

Why Do Balance Transfers Fail?

The main reason a balance transfer fail is due to a low credit score or low credit limit. Most balance transfer credit cards in Canada require a good-to-excellent credit score starting at 660.

Does Doing A Balance Transfer Close The Old Card?

No, doing a balance transfer will not close your old credit card. If you cannot transfer the whole credit card balance to your new balance transfer credit card, you will still need to make regular payments to your old credit card.

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