If you want to transfer your credit card debt to a different card, you need to ensure there are no “hidden” costs. For example, the low interest rates on a balance transfer offer are usually for an introductory period only. After a limited time, the interest rate can skyrocket to an exorbitant amount. Carefully examine the length of time of the introductory rate. You also should find out if there are annual fees, service charges, and/or penalties for late charges, or limitations or restrictions that might make transferring your credit card debt to a new card counter-productive. Make a goal to pay off the balance before the interest rate adjusts.