<prompt> Human: I have about 3.5k in credit card debit that Im trying to get serious about paying off. Im thinking I would like to do a balance transfer to a new card so that I can take advantage of 12 to 18 months of 0 interest. However after that time is up, if I havent paid off the balance, can I then apply for another card and do another balance transfer? Could I continue to do this until the balance is paid off? Or are there going to be consequences for doing so?  <response>: You can apply for all of the cards you want, but what happens if you dont get approved? 