<prompt> Human: I have two credit cards with over 15k balance on each. So am barely making minimum payments.Should I roll one card to a 0 rate 15 month card to at least knock down balance? Assistant: Any suggestions for a card to transfer to?  <response>: Any card that will have you. May be hard now that you are 30k in debt.You are very close to financial ruin. Please understand that you are having a financial emergency, and that you need to start living lean so that you can pay down this debt mountain. 