<prompt> Human: I have about 2k worth of outstanding balance total on 2 credit cards. Would it be wiser to open a card with 0 interest on balance transfers and make payments on that?  <response>: Instead of transferring the balance I have found that a better tactic is to find a new card with an initial 0 interest period then spend on the new card, accumulate a balance, while paying off the old cards. When I did this there were a lot of cards with 0 interest for the first 12 months and introductory bonus offers that gave you rewards after you spent a certain amount in the first 3 months or so. With this method, it is effectively a balance transfer but there are generally better rewards available. I did this multiple times 3 or 4 years ago when my finances were tighter. I havent checked credit card offers recently to see if this is still advantageous. 