My question is this: I get those 0% balance transfers all the time and toss them. I am considering trying to use one to help them get away from the rates of 15.99%, 15$, and 12%. I don't plan on using any of my money and would even try to see if we could get a joint account perhaps. I am cautious because they don't have a great history and don't want to get stuck with a late payment in my name. However, I would like to help my brother and it would save them a good amount of money. Maybe I should put some conditions on it about all the cards must be cancelled but one and only used for emergencies.I would only offer this kind of help only if:1) I was willing and able to make payments myself; and2) I was willing to consider such payments gifts.Good luck,Bruce
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