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PAPY26

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I HAVE BALANCE TRANSFER OFF ON MY CREDIT CARD,IF I USE IT WILL IT AFFECT MY CREDIT SCORE

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easy answer is no

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I'm assumng that one of your cards is offering a Balance transfer at a low rate. Or is this a new card offer?

If its and exisiting card, All you would be doing is transfering from one to another so that your available credit won't change and debt to income ratio isn't shifting. 

Be aware that you don't want to transfer more than you actually can pay off before the special rate expires. Often if the transfer isn't paid off within the promo period, you may be required to pay the interest on the whole amount.  

If this is a new card, It will have an effect on your score. It will dip for a couple of months until you have a record of paying all your debts on time, usually 3 or 4 months, then it will bounce back, Often to a higher score than before. 

Good Luck 

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