<prompt> Human: I have roughly 8,500 on a Citi card thats hitting me with 12.99 APR. I have worked out my budget now so that Im never using it anymore, but Im finding that the principal isnt dropping fast enough due to interest. Whenhowshould I find some low interest card to work on paying it off? Drawbacks? If this is common knowledge, I apologize, Im new to being responsible. :Assistant: One of the most common tricks is to transfer to a new card with a 0 interest introductory rate. Here are the drawbacks: There is often a transfer fee of about 3, which means that youre adding 255 to your principal The rate after 12 months will probably be higher than 13, which actually is a good rate for credit cards. I suspect youd get tossed into the 18 rate.How much can you throw at the debt each month? Transferring to a new card might cost you more in the end if you go to a higher interest rate after the introductory period.Human: My minimum payment every month is 150 currently. Ive been paying 200, which I know isnt MUCH more but its just what Ive been doing. I want to pay as much as I can without having to give up meals out. Ugh its my achilles heel. 8-10 dollar lunches are like the death-by-1000 cuts.Assistant: Every dollar you dont pay towards your credit card debt costs you 13.If you make sacrifices now, youll be free of that debt sooner. 200mo for just lunch is ridiculous. A single person could eat all meals for a month on that.Human: Would like to second that. Grow up and pay off your debts. I spend 200month total on food. And I eat plenty of meat and good takeout.Assistant: You know its not like flipping off a goddamn light switch. Some of these habits are engrained. Way to insult the guy here to better his life. Do you also make fun of people at the gym who are working to get in shape?  <response>: Do you also make fun of people at the gym who are working to get in shape?If they asked for my help but told me they wanted to get in good shape without changing their eating habits, then yes, I would have something to say to them. No one is making fun of you or insulting you, they are pointing out that a responsible adult is willing to make the necessary sacrifices if they want to better their life.Edit: clarified in italics, I wouldnt give unsolicited advice 