<prompt> Human: I have managed to pay down 3 of my 6 cards. I am now sitting on about 8k between the 3 remaining cards. Roughly 3.1k on 21 interest, 4.1k on 11 interest, and 800 on 16 interest. Mint is suggesting to me that I could apply for another CC with 5k limit and 0 APR for 18 mos. Supposedly this would SAVE ME 5000! Is it worth it to pick up yet another card to transfer balances to, or does this continue to look really bad for my credit? Any suggestions or help would be much appreciated. Thanks!  <response>: Mints savings number is based on the idea that you only ever make the minimum payment. Hopefully youre actually working to pay off those balances as fast as possible.If youre really committed and having success at changing the habits that landed you with those balances in the first place, then doing a 0 balance transfer is a financially sound idea. But if youre liable to take it as license to rack up more debt, then dont. 