Yesterday I went to a mall near my house. While walking crossing the alley in front of one supermarket inside the mall, a sales promotion girl offered me a credit card. It is new issuer because I’ve never heard about this company before. Usually when I get this offer I will ask the sales what benefit which I will get from that credit card offered. If it wouldn’t give me any benefit then why I apply a new credit card because I’ve more than ten credit cards in my pocket. She told about balance transfer. I still didn’t know what is that mean so she explained a little bit in front of me. Balance transfer is a mechanism that a credit card has to move the debt from one credit card issuer into another issuer. This will delay the payment that billed to you at due date. It can be delayed in a month in average. Every credit card has this facility but the new issuer usually charge an interest when we do this. But in her promotion she offered me free interest balance transfer credit cards. I could move one bill in certain amount from my old credit card to the new one. It is pretty nice for me because it is free. As long as it didn’t pay I will apply. The offer using term of balance transfer is very popular in credit card promotion because we know lots of people who have trouble in financial because of economy crisis.