Balance transfer cards are designed to give borrowers time to reorganize debt under more favorable short‑term terms. By moving eligible balances to a promotional rate, consumers can direct more of each payment toward principal rather than interest during the offer period. This can simplify multiple bills into one and establish a clear payoff horizon. Before applying, it’s smart to compare transfer fees, promotional durations, and ongoing APRs. A structured timeline and consistent payments help maximize the financial benefit of these specialized products.