Some people have more than one credit card and one of those cards could have a high interest rate. And carrying a balance on a high interest rate credit card, could make it seem like the payments will never end. And a lot of people tend to overspend in the holiday seasons, then look for a solution for all the debt – something to make payments easier. Well, we are all in luck – the ability to transfer balances is here. Transferring the balance is not going to make the balance go away, but it will give you better options. Here’s when and why to transfer a balance.