<prompt> Human: HiLongtime lurker. First-time poster. I love this subreddit and now wanted to see if you guys could help me. Heres the deal...I have a decent amount of CC debt and am getting married in a few months. Im thinking of having my wife get a zero balance transfer credit card after we get married and transferring some of my debt to her new credit cards. The theory being that it will lower the interest Im paying and allow me to pay off the debt sooner.I guess my question is:1 What are the downsides to this? beyond the fact that my debt is now attributed to her?2 Are there any other pitfalls I have to watch out for?3 Would you recommend this?Thanks in advance!  <response>: Transferring the debt may help you pay it off faster, but it doesnt address the problem. Unless you learn to control your spending how are you paying for the wedding? youll be back to where you are in a few years. 