<prompt> Human: Im a 25yr old who recently purchased a house. A few months after I moved in I had some car trouble, and started racking up a little bit of credit card debt. I have about 7,500 on a Commerce Bank visa about 1500 is cash advance due to my checking account, and 3000 on a Costco American Express. On top of this I have 650 of Nebraska Furniture Mart debt 0 APR til 2016, and 6,5002.5yrs left on my auto loan. I feel like Im being stretched pretty thin between all these payments and interest charges. I feel like I need to consolidate. I keep telling myself I just need to pay off one of these and I can start pulling ahead i.e. once I pay off my car Ill have an extra 250mo Which is where my question comes in. Commerce Bank sent me some balance transfer checks linked to my current CC the one with 7.5k on it for 0 APR until Dec 2015. Ive read about these things, but all the warnings dont seem to apply to this. This isnt a new card that Im opening up. The interest rate after the promotional period is a reasonable 13. The fee is 5. The only catch I see is a sentence that reads If you take advantage of this offer you will not be able to avoid interest payments on new purchases until your entire balance is paid, including the balance created through this offer. Im thinking I can transfer the costco card to my commerce card, and save about 40mo in interest. Or I could write a check to myself for the cash, and then use that 0 money to pay down the previous 1,500 cash advance on my credit card which currently has an APR of 25. Am I thinking about this right, or am I still falling into some trapcatch? Assistant: First off, 5 is a crappy transfer rate. If you have decent credit, you should be able to find a 3 offer on another card. Secondly, you cant take a cash advance on the balance transfer to pay off the previous 1,500 cash advance on the same card. Its going to be applied to the balance transfer first. Third, I would not transfer anything to your commerce card when you are paying interest on it already. Any payment made in it will be applied to the 0 interest transfer first.Personally, I would shop around for a new card or cards, transfer everything to a 0 promotional APR rate and refinance the auto loan assuming its also at a high rate. Human: I think my auto loan is 3-3.5. Is that considered high?  <response>: No thats a fine rate. Could be lower but not bad. 