Unfortunately, you’re unlikely to have much luck looking for the best balance transfer credit cards for fair credit because there aren’t many options to choose from. Most, if not all, 0% balance transfer cards require good or excellent credit for approval. And while decent balance transfer credit cards are available to people with fair credit from time to time, you typically need to be a college student to qualify.
Most general-purpose credit cards for folks with fair credit simply don’t allow balance transfers because issuers want cardholders to prove themselves before assuming their debt. Students generally get better terms than other people with the same level of credit experience due to their youth and above-average earning potential. In any case, credit cards for people with less-than-good credit tend to have fairly low limits. So even if you get good terms, you still won’t be able to transfer much of a balance.
That means the best approach at this point may be to focus on credit improvement while paying offas much of your debt as you can afford each month. You can track your progress for free on WalletHub, the only site that offers free credit scores and reports updated daily. And when your credit improves enough for you to qualify for a good balance transfer card, you can deal the finishing blow to your remaining debt.
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