<prompt> Human: Through a couple mistakes that were mostly my own, Ive basically gone from a reasonably healthy bank account, to -11000 in debt. Im writing this off as expensive learning experience, but I need help in how to fix my finances.As of currently I have 90 in my bank account, and 11000 credit card debt I have a credit limit of 8500, and wont be able to make my minimum payment of 3000 next week. This is the first time Ive ever paid anything less than the full amount. If I slash everything I have monthly expenses of 850 a month and can afford to put 3000 a month towards paying off debt. I can see two options to pay it off, though if others exist Id be happy to hear them1 Call my credit card, ask them to extend the due date for another 2 weeks until I can make the minimum payment. Then just pay off the card over the next 5 or so months, eating the interest charges as they come.2open a new credit card and request a balance transfer. I understand the general concept of balance transfer, but have no experience with the exact details of it. Also, a balance transfer would only transfer 70 of the existing credit card debt, splitting it into two seperate payments.3? Most of my retirement fund is in a superannuation account AUS. Is there anyway to access this fund, and is this a good idea if yes?  <response>: Balance transfer is your best option. A balance transfer actually counts as a payment to your card so transfering 5000 to another card would act like a payment of the same amount. That transfer doesnt lower your principle as its not a payment but it does make it so the month the payment is due is skipped kinda. Since you owe 3k as a payment I would look to get a transfer minimum of at least that, more if possible to a 0 apr card. You will usually incur a 3-5 of the balance as an additional fee but the amount you will save in interest going to a 0 card will pay for itself. Ideally if you can get 2 cards assuming you cant transfer all of it to one card with 0 with 0 apr i would do that. When I did a balance transfer the Chase Slate card was the only one offering 0 balance transfer fee so I went with them. That was over a year ago and your creditsituation is different but I would look into that. Also what did you spend 20 grand on? : 