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So I have a question regarding taking advantage of a balance transfer offer on my new NFCU Flagship Visa Sig account. There's an offer of 0% APR on BTs for 12 months. I've never used a credit card for the purpose of doing a BT so I'm just trying to get an idea of how it works. Say I want to transfer a balance of $280 onto the card but before the transfer is actually completed/posted I have a payment due on the account for $30 and I pay it. Will the transfer when it goes through just be auto adjusted to the current balance on the card that I'm transferring from? Or will the overpaid amount be held and applied to future purchases? i know this is probably a stupid question but again, I've never used a credit card for balance transfer purposes. thanks for the help in advance!