How Long Does a Balance Transfer Take?

When you’re trying to pay down debt quickly, a credit card balance transfer can be an ideal tool to get relief from accumulating interest.

But how long, exactly, does a balance transfer take? The short answer is: It depends.

Most balance transfers can be completed within two weeks, with some processing in as little as a few days. But several factors will impact that timing — including which bank issues the card in question — and complications can arise that may delay your credit card balance transfer process.

Here’s what you need to know about how long the process is likely to take depending on your situation, how to track the progress of your balance transfer, what to do in the meantime and what to do if you suspect a problem with the processing of your balance transfer request.

🤓Nerdy Tip

Keep making regular payments while you wait. Even if you can only make the minimum payment on your original card or cards before the balance transfer finishes processing, it’s…

Continue Reading →

This article was written by Jaime Hanson and originally published on