<prompt> Human: So, I am wanting to pay off my credit card debt. Total debt should be around 16,000. If I can transfer all my debt onto one card with 0 transfer fee and 0 APR for the first 15 months, I will essentially be paying just on my debt. On month 13 of the first 15, I would apply for another credit card with a 0 Transer fee and low if not 0 APR and pay off my debt that way. While doing this I wont be using the card at all. I would continue to do this until my card options run out or my debt is paid off. Do you think this is a great way to pay off my debt? Any advice would be greatly appreaciated. Thanks in advance...  <response>: It is a good idea and you should try to execute your plan, however if you dont have good credit you may not be approved for such a card. You should plan budget on the assumption that you wont be able to do the 0 APR cards if this is the case. 