<prompt> Human: Ok so Im planning to have my credit card debt paid off within 3 months. I was wondering how much I would be saving if I were to consolidate my interest down. So using round numbers Ive got 7000 on one card at 20 and 3000 at 7. I know I would save money by getting it all at 7 but what is the actual savings on that over the 3 months? Helpful grade school show work would be great. Thanks!  <response>: If youre going to pay 10k in 3 months, any savings would be eaten up by balance transfer fees. Just pay it off. 