<prompt> Human: Hello all! I have a question. Recently my husband and I got ourselves into a bit of trouble with a credit card and we now have a balance of 6300 on our 18.5 credit card. Would it be a smart idea to open a line of credit to pay off the credit card completely? And then we would just work on paying our line of credit off? Basics of our monthly finances: income 4400; mortgage 680; other expenses 2200, 0 savings. Any other ideas budget-wise?Edit: Im Canadian  <response>: Is transferring your CC balance to a new credit card with a lower rate an option. A lot of cards will offer you a 0 APR for X amount of time on balance transfers. 