I would absolutely suggest a balance transfer and close out the card and never deal with the bank again (you may even want to call them and tell them that's what you're doing if you've been a long term customer).  Even with credit tightening, as long as your credit doesn't suck you should still be getting 3 or 4 offers a week in the mail.  Also Yahoo and MSN finance i think have lists of the best CC offers out there.  There is no reason you should stand for paying off your balance at that rate. 

by alphasigmookie on 08/03/2008 02:05:29 AM EST

[ Parent ]
for a new card. Great interest rate after the initial 0%.

Talk about perfecting timing!

by Tom Hanc on 08/03/2008 02:14:39 AM EST

[ Parent ]