<prompt> Human: Ive got a bit of credit card debt, nothing too bad, but a few of my cards have a bit of interest going on cash advances some months back. Ive been getting offers for a card that will give me 0 interest on balance transfers for 18 months AND no balance transfer fees within the first 60 days. This seems very nice, allowing me to eliminate the interest I have on my current cards.My question is will adding a new card for this purpose be very negative toward my credit? Is there a benefit to sacrificing one thing for the other?Thanks for any info.  <response>: If you can save significant amounts of real money by taking a small temporary hit to your credit score, you should always do that. Your credit score is only worth something in extremely narrow circumstances, like when you are about to apply for a big loan.The much more important thing is to actually use the 18-month reprieve to pay off all your debts. If you dont do that, you are just screwing yourself over even more. 