<prompt> Human: Currently looking to pay off credit card debt and minimize the amount Ill be forking out for interest. The options I have seen are to take out a line of credit and suck up the 5-9 interest. Transfer some of the money to a transfer card and try to pay that off in the 12 month interest-free grace period. Or I can just stick with the CC payments. Any thoughts or suggestions? EDIT: Working full time min wage in Canada net 1300 - 1400mo paying for an apartment 550 and a car which I own. This is a long term goal, so regardless I would not be transferring 100 of the debt to a transfer card. Mostly Im just trying to figure out the most cost effective way to split up the debt.  <response>: After an unfortunate year Im in a similar situation. I chose to open a Chase Slate cc. 0 Balance transfer fee. 0 for 15 months. I transfered close to 7k. It was that or pay down the cards with the snowball method while paying interest. Transferring the balance will save me over 1k in interest. 