<prompt> Human: Ive got a AMEX blue cash everyday with 23 APR. The introductory 0 will be over next month. Ive slacked on paying off the balance big time and still have about 8000 remaining. From my understanding my interest will kick in next next month on the 8000 which amounts to about 200 a month from my calculations?. I will most likely be able to pay 1000 on it monthly but Id like to know how fucked I am and what my options are.  <response>: Assuming you have no other way to come up with the money I would strongly suggest you balance transfer as much out as you can to a new promotional rate, ASAP. And if you can pay 1000 a month on it, get to it. Dont let this thing hang around forever. Good luck. 