guys.......
credit cards aare a very expensive form of debt.
rate whoring and transferring balances with charges each time . 3% of the transferred balance i think .....is crazy. if you've a large outstanding balance - nuke it. take a loan if you have to and repay that as quickly as possible. the beauty of the loan is you must pay it back in a specified time at a much lower rate then your card debt. not preaching here .. just offering genuine advice ...use your card then clear it when the bill comes in or don't use it. cc debt is way too expensive