{"id":6969,"date":"2023-12-22T15:29:06","date_gmt":"2023-12-22T15:29:06","guid":{"rendered":"https:\/\/mer.tours\/what-does-request-held-mean-on-a-balance-transfer\/"},"modified":"2023-12-22T15:29:06","modified_gmt":"2023-12-22T15:29:06","slug":"what-does-request-held-mean-on-a-balance-transfer","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/what-does-request-held-mean-on-a-balance-transfer\/","title":{"rendered":"What does request held mean on a balance transfer?"},"content":{"rendered":"<p><\/p>\n<div id=\"article\">\n<div class=\"jsx-2735261878 temporal\">\n<p>Dec. 22, 2023<\/p>\n<p>\u2022<\/p>\n<p>3 min read<\/p>\n<\/div>\n<div class=\"jsx-2556376675 featuredImageWithToc\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0\"><\/span><\/div>\n<div class=\"Article_parallel__TsQEO\">\n<div class=\"Article_contentWithToc__uTe9u\">\n<div class=\"jsx-3064427519 topElements\">\n<div class=\"jsx-3522876312 topDisclaimer\">This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit<!-- --> <a href=\"https:\/\/thepointsguy.com\/advertising-policy\/\" class=\"jsx-3522876312\">this page<\/a>.<\/div>\n<\/div>\n<div class=\"jsx-773591760 body\">\n<div class=\"Mobiledoc\">\n<p>People conducting <a href=\"https:\/\/thepointsguy.com\/credit-cards\/balance-transfer\/\" rel=\"noopener\" target=\"_blank\">balance transfers<\/a> are often uncertain about the process, even those with plenty of credit card experience. One thing that can cause confusion is a &#8220;Request Held&#8221; status or message placed on the transfer.<\/p>\n<p>This message often comes up when you&#8217;ve just requested a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/limit-on-balance-transfer-cards\/\" rel=\"noopener\" target=\"_blank\">fairly large balance transfer<\/a> that hasn&#8217;t been approved yet. But what does it mean when your request is put on hold, and how does it affect the status of your balance transfer and overall credit card strategy? Keep reading to find out.<\/p>\n<p><a id=\"what-does-request-held-mean-on-a-balance-transfer\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">What does &#8220;Request Held&#8221; mean on a balance transfer?<\/h2>\n<p>After you fill out a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-do-a-balance-transfer\/\" rel=\"noopener\" target=\"_blank\">balance transfer request<\/a>, the credit card company receiving the transfer might issue the following message: &#8220;Request Held.&#8221; In short, this means that your request has been put on hold. But why?<\/p>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Person-shopping-using-tablet-and-credit-card-at-home_urbazon.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">URBAZON\/GETTY IMAGES<\/figcaption><\/figure>\n<p>&#8220;Request Held&#8221; messages are usually placed when the balance transfer amount exceeds the credit limit on the card the funds are being moved to. This may happen when you&#8217;re attempting to transfer a <a href=\"https:\/\/thepointsguy.com\/news\/ways-to-pay-off-credit-card-debt\/\" rel=\"noopener\" target=\"_blank\">large amount of debt.<\/a> The receiving credit card company will flag the transfer and put your transfer request on hold while it reviews some key details, including how much money you&#8217;re moving in relation to your <a href=\"https:\/\/thepointsguy.com\/guide\/credit-limit-increase-when\/\" rel=\"noopener\" target=\"_blank\">card&#8217;s credit limit<\/a>.<\/p>\n<p><a id=\"what-should-i-do-if-i-get-a-request-held-message\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">What should I do if I get a &#8220;Request Held&#8221; message?<\/h2>\n<p>If a &#8220;Request Held&#8221; status results in your balance transfer being declined, you still have some options. A decline doesn&#8217;t mean that you can&#8217;t proceed, but you may need to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-long-do-balance-transfers-take\/\" rel=\"noopener\" target=\"_blank\">initiate a new balance transfer request<\/a> for a lower amount.<\/p>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Person-looking-through-personal-banking-and-finance-paperwork-at-home_d3sign.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>This may result in you still having a balance owing on the higher-rate credit card. If so, you may consider other avenues to pay off the amount if it cannot be included in the balance transfer. One option is to keep it where it is and continue making periodic payments. You could also look into a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-debt\/\" rel=\"noopener\" target=\"_blank\">debt consolidation loan,<\/a> if you can find one at a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-avoid-credit-card-interest-with-grace-period\/\" rel=\"noopener\" target=\"_blank\">lower interest rate<\/a>.<\/p>\n<div class=\"&#10;        EmailSignUp_container__70lh2&#10;        undefined&#10;        EmailSignUp_isLoading__zGkU5&#10;      \"><picture class=\"EmailSignUp_graphic__AEA5s\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__cnneL\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><a id=\"bottom-line\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Bottom line<\/h2>\n<p>The takeaway here is that a &#8220;Request Held&#8221; or even &#8220;Request Denied&#8221; message isn&#8217;t the end of the world. Just be on the lookout for these messages when they pop up so you can take action. Also, never assume that your balance transfer request will be approved, especially for a large amount. Before you initiate a transfer, always check to make sure that your <a href=\"https:\/\/thepointsguy.com\/guide\/how-get-automatic-credit-limit-increase\/\" rel=\"noopener\" target=\"_blank\">new credit limit<\/a> is sufficient to accommodate the full transfer amount.<\/p>\n<\/div>\n<\/div>\n<p>Featured image by <!-- -->REALPEOPLEGROUP\/GETTY IMAGES<\/p>\n<p>Editorial disclaimer: Opinions expressed here are the author\u2019s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dec. 22, 2023 \u2022 3 min read This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page. People conducting balance transfers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[7],"tags":[],"class_list":["post-6969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel","entry","has-media","owp-thumbs-layout-horizontal","owp-btn-normal","owp-tabs-layout-horizontal","has-no-thumbnails","has-product-nav"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1200&resize=1200,628&ssl=1","rttpg_featured_image_url":{"full":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1200&resize=1200,628&ssl=1",1200,628,false],"landscape":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1200&resize=1200,0&ssl=1",1200,0,false],"portraits":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1200&resize=1200,0&ssl=1",1200,0,false],"thumbnail":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=150&resize=150,150&ssl=1",150,150,false],"medium":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=300&resize=300,300&ssl=1",300,300,false],"large":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1024&resize=1024,1024&ssl=1",1024,1024,false],"1536x1536":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2021\/08\/Amex_offer_social.jpg?w=1536&resize=1536,1536&ssl=1",1536,1536,false],"2048x2048":["https:\/\/i2.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\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href=\"https:\/\/travelaffiliatewebsite.com\/mer\/category\/travel\/\" rel=\"category tag\">Travel<\/a>","rttpg_excerpt":"Dec. 22, 2023 \u2022 3 min read This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page. People conducting balance transfers&hellip;","_links":{"self":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/6969"}],"collection":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/comments?post=6969"}],"version-history":[{"count":1,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/6969\/revisions"}],"predecessor-version":[{"id":6971,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/6969\/revisions\/6971"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media\/6970"}],"wp:attachment":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media?parent=6969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/categories?post=6969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/tags?post=6969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}