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?? ??????C???? ????A??????, C?? ?????? C??????????!???????????????? ???? ???? ?? ??????????????I???????? ??Online. Generally, you can log onto your account and request a balance transfer through the issuer's online portal. � Phone. You can call your. Choose the right balance transfer card; Understand the balance transfer terms; Apply for the card and initiate the transfer; Create a repayment. How to transfer a credit card balance � 1. Decide how much to transfer � 2. Apply for a balance transfer credit card � 3. Initiate the balance transfer � 4. Wait.