Check whether moving your credit-card balance to a lower promo-APR card actually saves money after the transfer fee.
Net savings from transfer
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How balance transfer works
Transferring your outstanding balance to a card with a low promo APR cuts the interest during the promo window. A one-time transfer fee (plus GST) applies. It pays off only if the interest saved beats that fee before the promo rate ends — so a realistic monthly payment matters.