There are several ways to transfer a balance. Most require making a new credit card application through the mail, phone, branch or web. This requires giving the bank or other lender your personal information including your name, address, Social Security number and income.
Depending on the type of card you are applying for and your credit score, you may be able to request your balance transfer up front. If you have a large amount of money you want to transfer and your credit is not excellent, you may want to request your balance transfer after you are granted your credit limit to prevent possible denial. Another way is to use a balance transfer check that has been offered with your existing credit card. Keep in mind that you can’t transfer a balance within the same bank.
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