If you're carrying a balance on your card that's a bit too high for comfort, you're in good company. The average card balance in Oregon was $6,012 in 2017. Carrying the average balance on your card from one month to the next can add to your debt load. One strategy to help get debt and escalating interest fees under control is to use a balance transfer credit card. Here are three situations where a balance transfer credit card makes the most sense.