<prompt> Human: So I opened up a promotional credit card last August to pay off a 3,714 eye surgery. I had the to pay it in full, without a credit card, but I wanted to make payments instead. This credit card has a deferredno interest rate if paid in full in 12 months. So I have been making regular payments of 320 a month in order to pay it off within the 12 months to avoid paying any extra money. My current balance right now is 1,854However, I want to find a way to pay less than 320 a month without paying any extra, and I dont think I can extend the promotion on this card.Is it a good idea to make minimal payments, and then open up another No Interest credit card to pay off this credit card before the 12 months are up? I have good credit if that makes any differenceI dont want to make a huge financial mistake since I honestly have the money to pay everything off but I just would like to make smaller payments, without paying anything extra  <response>: Sure you can. Just beware of balance transfer fees. A lot of them are in the 3 range. 