<prompt> Human: Im trying to transfer my credit card balance. I made the mistake of getting a card with 0 interest for a year and not paying off the balance. Once the year was up they hit me with a alot of interest and put my balance above my credit card limit. Now my monthly payments are almost as much as they charge me for interest every month! I can barely afford my monthly payments right now, but in a few months will be able to give a little bit more. My credit line is 2700 and my current balance is 2,910. MY interest is 22.99 and ive never been late on a payment. My fico is currently 649, but I cant get accepted for another card. How am I supposed to transfer this? If I could move at least some of it to a card with no interest for a year, im sure I can pay it off. But right now these interest charges are killing me.  <response>: Unless you can get approved for another card, you cant transfer the balance. Otherwise youll just have to keep paying it down. 