Looked thru the memories but didn’t find what I was looking for. If I just missed it let me know. :) I have quite a bit in credit card debt which I am trying to get rid of as fast as possible. I have 4 cards currently with balances ranging from 200 to 3,000 and APRs ranging from 17 %– 23 %. I was thinking about doing a balance transfer from all the cards onto one new card with (hopefully) a nice low APR. It would be nice to have just one bill to pay and I don’t really trust those ‘consolidating’ companies. So question 1: what kind of APR should I be looking for? I’ve never had anything lower then 17% and I would like to, but with that much debt is it even possible? Anything I should look out for? 2: Ideally I would like this card to be one that I could save and use later as my primary (really ONLY card) any opinions on this one? 3: know of a better card? Thanks for any help you guys can give me.