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A balance transfer allows a person to transfer a balance from onecredit new balance mens black card to another credit card. There are many reasons why aperson would want to do this. First, a person might wish to transfera balance from one card to another if the new card is running aspecial with a 0 balance transfers option. This would mean that forthe balance that the person transfers in, there would not be anyinterest rate. Normally this 0% interest rate is just a promotionalterm and will end after the specified period of time, but that timeof 0% interest could allow a person to pay down a good portion, ifnot all of their credit card debt balance.