Things You'll Need:
- good credit, scheduling ability
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Step 1
You apply for a credit card this has a 0% interest for at least a year. Have the credit card company pay off as much money as they will allow you to transfer.
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Step 2
There may be a small cost for the payoff, but certainly worth the savings if you pay down as you would have had to pay each month on the high rate cards you currently have.
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Step 3
If you have a Line of Credit and you have not paid off the 0% interest credit card, use the line to pay off the 0% card before the end of the term. If you do not have a Line of Credit, try two months prior to the end of the term, to get another 0% credit card to transfer the balance to the new card.













