<prompt> Human: Would transferring my credit card debt to a personal loan make sense? I am able to make payments that are higher than the interest, but I am not in a position to pay off huge sums of it right now. Ive seen my credit score dip pretty drastically which I think its due to the high amount of debt on the card. Thank you for any advice.  <response>: 0 intro APR balance transfer cards are a better idea, as long as your credit is still good enough to be approved for them. 