I am looking for answers about the practical limitations of using a balance transfer to accept and minimize someone else's credit card debt. I have an auto loan with 14k that I'm about to pay off entirely to avoid interest and allow me to have more financial flexibility month to month.Sign into your Member Center and go to your To-Do List. You may be able to request a balance transfer online, through the card issuer's mobile app, or over the phone with customer service. Find out how to do a balance transfer in five easy steps and save money on highinterest credit card debt with a 0 percent introductory APR. There are several ways to request a U.S. Bank balance transfer, including online or through the mobile app. And if you decide a balance transfer card is right for you, I have a guide for completing the balance transfer process the right way here.