What Adbys Credit Transfer Is

Adbys Credit Transfer is a balance transfer service that lets you move debt from one credit card to another, typically to a card with a lower interest rate. The service handles the mechanics of the transfer — contacting your original card issuer, arranging the payment to that issuer, and posting the balance to your new card. You do not move money yourself; Adbys coordinates the transaction between the two card companies.

The goal is the same as any balance transfer: to reduce the interest you pay while you work down the debt. If your current card charges 22% APR and you transfer to a card offering 0% APR for 12 months, you stop paying interest during that promotional period — assuming you make no new purchases on the new card and meet the terms.

Adbys is one option among several ways to move a balance. You can also transfer directly through your new card issuer's website, by phone, or through a balance transfer check. Adbys's role is to streamline the process and handle the paperwork.

Key Takeaways

  • Adbys Credit Transfer moves your balance from one card to another and charges a transfer fee, usually 3% to 5% of the amount moved.
  • You will need an active credit card account with available credit at your destination card before the transfer can begin.
  • The transfer typically takes 5 to 14 business days to complete, though the timeline depends on both card issuers.
  • A balance transfer only saves money if the new card's interest rate is lower than your current card and you pay down the balance before any promotional period ends.
  • Adbys does not change your credit card accounts or remove your original card — it only moves the balance.

How the Transfer Process Works

When you use Adbys, you start by providing information about your current card and the card you want to transfer the balance to. Adbys asks for the card numbers, the amount you want to move, and authorization to contact both issuers on your behalf.

Adbys then requests the transfer from your original card issuer. The issuer confirms your account, verifies the balance, and approves the outgoing transfer. At the same time, Adbys coordinates with your new card issuer to confirm that the receiving account has enough available credit to accept the balance.

Once both issuers agree, the original issuer pays your new card issuer directly. The balance appears on your new card within 5 to 14 business days. Your original card balance drops to zero (or to any remaining balance you did not transfer). You now owe the debt to the new card issuer instead.

Throughout this process, Adbys handles the communication and coordination. You do not call both card companies yourself — Adbys does that work.

Transfer Fees and Costs

Adbys charges a transfer fee, typically between 3% and 5% of the amount you move. If you transfer $5,000 at a 4% fee, you pay $200 upfront. This fee is usually added to your new card balance, so you owe it along with the transferred amount.

Your new card issuer may also charge a balance transfer fee — most do, ranging from 3% to 5%. This is separate from Adbys's fee. Check your new card's terms before you start the transfer to understand the total cost.

The math matters: if you transfer $5,000 and pay $200 in Adbys fees plus $200 in your new card issuer's fees, you have added $400 to your debt. You save money only if the interest you avoid over the promotional period exceeds these fees. On a 0% APR card for 12 months, you would save roughly $1,100 in interest on a $5,000 balance at 22% APR — so the $400 in fees is worth it. But if you transfer to a card with only a 6-month 0% period, the math may not work in your favor.

What You Need Before Starting

You must have an active credit card account open and ready to receive the balance. This is your destination card. It needs enough available credit to accept the full amount you want to transfer. If your destination card has a $10,000 limit and you already owe $6,000, you can transfer no more than $4,000.

You will need the card number, expiration date, and CVV for both your current card and your destination card. Have your most recent statements handy so you can confirm the exact balance you want to move.

Adbys will ask for authorization to contact your card issuers. This does not require a hard credit inquiry, but it does mean Adbys will verify your identity and account information with both companies. Be ready to answer security questions or provide additional documentation if either issuer asks.

If you do not yet have a destination card, you will need to open one first. Most balance transfer cards require you to be approved and receive the physical card or set up it online before you can transfer a balance to it. This can add 1 to 2 weeks to your timeline.

Timeline and What Happens During the Transfer

The transfer process typically unfolds over 5 to 14 business days, though it can take longer if either card issuer is slow to respond or if they request additional information from you.

Days 1 to 2: You provide your information to Adbys and authorize the transfer. Adbys contacts both issuers and requests approval.

Days 3 to 7: Both issuers verify your accounts and confirm they can process the transfer. Your original issuer prepares to send the payment; your destination issuer confirms it has available credit.

Days 8 to 14: The original issuer pays your destination issuer. The balance appears on your new card statement. Your original card balance drops (or shows zero if you transferred the entire amount).

During this time, continue making payments on your original card if you have a remaining balance. Do not assume the transfer is complete until you see the balance on your new card and a zero balance on your old card.

When a Balance Transfer Makes Sense

A balance transfer saves you money only under specific conditions. First, your new card's interest rate must be lower than your current card's rate. If you move from 22% APR to 18% APR, you save money — but not as much as moving to 0% APR.

Second, you need a realistic plan to pay down the balance before the promotional period ends. If your new card offers 0% APR for 12 months and you transfer $5,000, you need to pay at least $417 per month to clear the debt before interest kicks in. If you cannot commit to that payment, the transfer may not help.

Third, the fees must be worth the interest savings. Calculate the interest you would pay on your current card over the same period, then subtract the transfer fees. If the result is positive, the transfer makes sense.

A balance transfer does not make sense if you plan to keep carrying a balance indefinitely, if you cannot stop using your original card (which tempts you to run up new debt), or if the promotional period is too short for you to pay down the balance meaningfully.

Alternatives to Adbys Credit Transfer

You can transfer a balance directly through your new card issuer without using Adbys. Most card companies have a balance transfer option on their website or in their mobile app. You provide the same information — your old card details and the amount to transfer — and the issuer handles it directly. There is no middleman fee, though the card issuer's own transfer fee still applies.

You can also request a balance transfer check from your new card issuer. The issuer mails you a check that you deposit into your bank account, then use to pay off your old card. This gives you more control over the timing and lets you see the money move, but it takes longer and may carry a higher fee.

A personal loan is another option. You borrow a fixed amount at a fixed rate, use it to pay off your credit card in full, and then repay the loan over a set period. Personal loans often have lower rates than credit cards, especially if you have decent credit, and they do not tempt you to run up new debt on the old card.

Frequently Asked Questions

Does Adbys Credit Transfer hurt my credit score?

The transfer itself does not hurt your score, but the process may cause a small, temporary dip. Adbys contacts your issuers to verify your accounts, which may show up as a soft inquiry (no impact). However, opening a new card to receive the balance triggers a hard inquiry and lowers your score by a few points. The impact is temporary — your score usually recovers within a few months as you pay down the balance.

What if my transfer is denied?

Either issuer can deny the transfer if your account is in default, if you have not had the destination card long enough, or if the issuer suspects fraud. If this happens, Adbys will tell you which issuer denied it and why. You can contact that issuer directly to resolve the issue, or you can try a different destination card.

Can I transfer a balance to a card from the same issuer?

Some issuers allow you to transfer a balance between their own cards; others do not. Check your destination card's terms or call the issuer before you start the transfer. Adbys will also confirm this during the process.

What happens to my original card after the transfer?

Your original card remains open and active. The balance is paid off (or reduced), but the account itself stays in your credit file. You can continue using the card for new purchases, though many people close it or stop using it to avoid running up new debt while paying off the transferred balance.

Can I transfer a balance again if I still owe money from the first transfer?

Yes, you can do another balance transfer, but it is usually not a good strategy. Each transfer costs a fee, and you end up spreading your debt across multiple cards. It is better to focus on paying down your current balance before considering another transfer.