you can balance transfer, usually it can be done online, if not, call the customer service.

Basically, they will issue you a check and you can use the check to pay your loan. Since you have 0 APR, you don't need to pay any interest.

use balance transfer, usually they send you checks with your statement, you can use the check to pay your loan, then you have some balance on this card. otherwise you can call the CS to ask they to do the balance transfer for you. check how much is the balance transfer fee.

你需要的是 0% APR FOR BT (BALANCE TRANSFER)，通常BT的FEE是3%，好象封顶是 $75。但是CITI现在有好多的REWARDS CARD 是 0%FEE，所以整个LOAN的COST就是0。LINK在这里

https://www.citibank.com/us/cards/index.jsp

其中P PASS和DIAMOND都是很好的卡，PP的CL给的很高(我刚申请下来，是根据CREDIT SCORE来的)。楼主由于有LOAN，所以CS不会太高。BT就是CC的COMPANY给你一张到CL的CHECK，你就可以拿这个存银行了，然后付贷款。

记住千万把CC的T&M看清楚，以避免发生没有必要的费用，BT后，CS就会象“滑铁卢”一样直线下降，但是有了钱，谁还CARE 呢？