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How can I get the most out of my Balance Transfer?

To get the most out of your Balance Transfer it is important that you:

  • make additional payments (more than the Minimum Payment Due) throughout the promotional period to reduce the amount you owe;
  • pay the outstanding balance prior to the end of the Balance Transfer offer. Any balances that were transferred, and remain outstanding, will revert to the Cash Advance Rate at the end of the promotional period;
  • track any additional spending on the credit card as it will incur the Retail Purchase Rate;
  • and close other credit cards and loan accounts once they have been repaid. The benefits of doing this are discussed here.

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