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No. of Recommendations: 3
Question of the day: I'd really like my CC debt to be at a lower interest rate. Given my situation, is there a reasonably good way?

1. Call the credit card company and ask them for a lower rate.
2. Whether or not they give you a lower rate, ask them what you need to do to get a(n even) lower rate.
3. See if you can do those things without compromising the rest of your payoff plans. (For instance, if they want you to make larger payments, but that's not the card that you are snowballing yet, making the larger payments may need to wait.)
4. Call back again in 3 or 4 months and repeat.

I don't want to involve my home.

That's good. Especially since equity loans are no longer tax deductible unless the money is substantially used to improve your home.

I haven't done the math, but paying 5% for short term 0% doesn't sound prudent either since my timeline for paying the balances is long term.

You do need to do the math to see if BTs are worth it. Sometimes they are, sometimes they aren't. And part of the math needs to look at what rate it will jump to when the 0% rate expires, in addition to looking at if your minimum payments will increase.

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