<prompt> Human: I have about 2 credit cards with 6k balances on them. I hadnt been quite as responsible with finances until recently and have been working towards paying them both down.One of the credit card companies has been sending me the option to transfer balances from other lenders with 0 APR for 12 months with a 3 transfer fee 180. Considering both cards have a fairly high APR 20, is there any downside to transferring the balance? Seems like a pretty good option as I work towards getting the balances paid off, but I just want to make sure Im not overlooking something or making a mistake.Any advice is greatly appreciated!  <response>: Balance transfers are great, assuming you wont get in to anymore debt and will pay off the transfer balance before it expires. 