<prompt> Human: Right now I owe about 1,000 on my credit card at 25 interest rate. I try to pay off about 50 a month but it seems like a big chunk of that money just go straight to paying the interest rate instead. I recently opened a checking account at a local credit union and they offered me a credit card with no annual fee. They said that if I have another credit card debt I can do a balance transfer it to this card there is only a 3 fee and there will be 0 interest rate for the first year. After that the interest rate is only 15. x200B;That sounds like a really good deal and Im thinking about making a balance transfer since 25 interest on my old card is a lot. I want to ask whether I can do another balance transfer after the first year when the 0 interest rate is over back to the old credit card and get another year of 0 interest? That would be nice because then I will be able to pay the debt off without interest but Im not sure if its possible.  <response>: Once a year? no. Once, then pay it off and dont carry a balance ever again. 