Check to see if the offer is only for a limited time. I want to avoid being reactive about this. Are there minimum transfers amounts that can be worked with? Of course, if you like, you can do both. Haven’t you? Very bad credit credit cards are available but they are very high interest. You may want to consider getting a secured credit card instead of this kind of card just because the cost will be high and your situation may not benefit.but also I prefer to read specialized secured credit card. Secured credit card is a well thought out way to find just the right credit. What typically happens is a 0% balance transfer is only as long as you don’t make any late payments. This makes a lot of difference whether or not the 0% balance transfer makes sense Am I willing to make the transfer online? Sometimes companies charge up to 3% just to move the money. Here are more things to think about and to look out for when thinking about a zero balance transfer credit cards.