No. of Recommendations: 2
If you are able to make steady progress on the cards over 3 to 4 months (in terms of net pay down, and maybe getting an interest rate dropped), then I'd try to find a balance transfer offer on attractive terms.

One other thing about 'attractive terms' - some BTs require higher minimum payments - so that needs to be figured in on the debt pay down. It doesn't do a lot of good to transfer to a 0% rate if the minimum required payment eats up the 'extra' money that was supposed to be put toward high rate debt. So, it's critical to understand the full terms and conditions of any BT offer before you can make the decision that the terms are 'attractive'.

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