Balance Transfers

[taiarain]

If you're just card hopping around similar interest rates, it's probably not a great idea. You'll just end up racking up transfer fees. However, if the rate reduction is deep enough and your balance high enough, it can be a wonderful thing. Just remember to make the same payment you would have on the higher rate card.

[ninikins]

That is so important IMO, to keep the payments similar so you can be sure that you'll be fine