Edith says she's borrowed about $13,000 from Citibank this way, and has never paid interest (though she does pay a balance-transfer fee of 3 percent).

伊迪丝说她利用这种方法已从花旗银行借贷了13000美元，并且从来没有付过利息（尽管她要付百分之三的手续费）。

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The lender raised its maximum balance transfer fee to 5% from 2% in 2009.

WSJ: Card Issuers Gird for Cut to Late Fees

They come with a balance transfer fee, usually 3% or 4% of the total amount you transfer.

FORBES: Tips On Transferring Your Credit Card Balance To Another Issuer

Before you apply for a balance transfer card, do the math to see if the amount of interest payments you save with the introductory offer is more than the balance transfer fee that has to be paid immediately.

FORBES: Tips On Transferring Your Credit Card Balance To Another Issuer