After you transfer balances, be sure to make all your payments in full and on time or you'll automatically be hit with higher fees.
Generally, there's no grace period for repaying balance transfers, so interest will accumulate immediately.
No interest will actually accumulate if you have an introductory 0 percent APR.
When making payments, it's important to understand that the payments you make will first be applied to balances with lower or promotional balances and then allocated toward higher APRs.
That means you'll be paying down 0 percent balance transfers before you even touch the balance on regular purchases which can be charged at a rate of 9 to 18 percent.
As a word of advice, consider using a different card for your regular purchases and pay off the balance each month.
Keep your balance transfers restricted to a separate card.
Next find out about what happens after the balance transfer promotion period ends.