The balance transfer interest rate is at its lowest during the introductory period, which means you should always aim to pay off your debt within this time. You can find a balance transfer offer that will help you achieve this goal by considering the following:

• The total amount of debt you want to transfer
• Any other charges, such as an annual fee or balance transfer fee
• The length of the introductory period

Once you have these figures, divide the debt by the length of the introductory period to get a payment amount that fits.