A credit card balance transfer moves debt from one card to another, often with a promotional period offering a lower or 0% interest rate. You may pay a balance transfer fee, and the promotional rate usually ends on a stated date, after which the card’s standard rate can apply. Check the fee, transfer limit, minimum payments and expiry date, and avoid spending on the new card unless you understand how purchases will be charged. Approval and the rate offered depend on the provider’s checks and your circumstances, so compare FCA-authorised options carefully.