My balance transfer period ended, but I still have debt. It can also be helpful for people who want to consolidate multiple debts into a single monthly payment. You can then transfer funds to either another user on the same platform or directly into your personal banking account.
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Read MoreWith the right intro APR offer, you can avoid costly interest charges while you work to pay off your transferred balances, helping you pay down your debt faster while saving you money. What are the disadvantages of a balance transfer credit card? Allow at least two to three days and up to 10 for the new creditor to pay off the old creditor. How to break the credit card debt cycle. Balance transfer details.