<prompt> Human: I just graduated from a full time MBA program, so I racked up a lot of debt over the past 1.5 years, including credit cards. I just started working, yet Im paying a lot in credit card interest because of my balances.Ive been considering applying for a 0 introductory APR card with zero balance transfer fees because I know that Im going to be aggressively paying it down now that I have a good job with income. How do I determine if this is a good idea? I have three credit cards already, and am not really excited about getting another one, but it seems to make the most sense given how much Id be saving that I could plow into the credit balance instead of interest expense.  <response>: Mathematically, yes, this is a smart option.Where the trouble comes in, is personal discipline.The vast, VAST, majority of people who: have some CC debt, get a better job, and get a BT offer to help chip away at that debt, actually just end up living beyond their means, AGAIN.So you need to take a good hard look in the mirror, and figure out what is more likely to happen? You live well below your means, for potentially a not-short period of time, for the better brass ring? Or do you slip into the morass with 97 of the rest of the population?Only you can answer that.Whatever you choose, there are at least three lenders offering 0 with 0 fee BTs right now:Chase SlateBarclaycard RingBofA BankAmericardGood luck! 