- Posts: 1
- Joined: Fri Jan 08, 2016 7:06 pm
Thank you for taking the time to read and provide insight. I elected to transfer a balance to an introductory rate of 0% for 12 months in March 2015. The initial transfer was $11k. To date, I have over $15k in Credits, but $20k in Debits. My question is: Since I have more Credits than my initial Balance Transfer, will I incur a penalty for not having a $0 balance on my card come March 2016?