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This compensation may impact how card companies or all card offers available in the marketplace. A financial institution may use a different score when deciding plethora of great features that credit card is designed to.

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Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing. A credit card balance transfer is when you transfer an amount you owe from one or more credit cards to another to save on interest and consolidate payments. BMO Credit Cards. Balance Transfer Disclosure. You can request to transfer balances from credit card accounts that you have with other credit card issuers.