When to Buy Consumers can avoid format wars somewhat by waiting a while before making a purchase. Some providers have begun trying to claw back money by imposing charges for 0% balance transfers, commonly 2% of the amount transferred capped at around $0. In other words, if you shift $2,000 worth of debt and youd have to pay a BT fee of $0. Its important to never do this by a cash withdrawal or payment that usually attracts a much higher interest rate and is NOT a super balance transfer.