Credit cards can be a real blessing when a person is in a pinch! Unfortunately some of us like to use them as currency and rack up the bills. (I know that one from personal experience)

Unfortunately for me I did not compare credit card offers. There are so many promotions like interest free credit cards, 0% credit cards, and a whole lot more. If I would have compared credit cards ahead of time, I could have found a better deal.

I have heard about people taking their credit cards and doing a balance transfer, to knock down the interest some. The reason that could be good is the credit card that I have currently, when I pay my monthly payment I am paying mostly interest, and just a little is going toward actually paying it off. I would like to try this!