I have a credit card with my credit union that I have had for a long time. It has 9.9% interest and a few months ago, it was necessary for me to charge often and the balance rose to over $5000. A friend suggested I get a 0% card, transfer as much of that balance as I can to speed up paying it off. The balance of that new card must be paid off by the middle of next month or the 0% changes to over 22%. The friend said I could then apply for a another new 0% card and transfer again for another several months. Does it affect my credit rating if I keep doing this?Thanks.