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Is it OK to use a credit card on zero-interest to pay some other credit cards with higher-interest?
I am sure everyone is different, but it has helped me a great deal. I have had several card balances go up and the interest on those per month was more than $200 in just interest combined.  I transferred the balances over to 0% for 15 months – with a fee, so the upfront cost was about $300. However, over the next 15 months at 0% I'm saving over $200 each month.  Now I have the money to pay everything off at 14 months. I will not be paying any interest after that, and I cut up all of my cards so I won't rack up the bills with interest on them anymore. Now, if I can't buy it with a debit card or cash, I don't get it.  My cards went up so high after remodeling a home so they were justified. It wasn't because I didn't pay attention to what I could afford.  My brother, on the other hand, has trouble using credit cards properly and this doesn't work for him.