[user104658]

Originally Posted by Cherie

you can shift all your credit card debt onto a no interest card so at least even if you are only paying small amounts it will be coming off the debt amount rather than paying interest

Only if you've not been missing payments etc. you need decent credit to get a 0% balance transfers card.

Also you have to beware the trap! I had £1500 on a couple of cards, got a £1500 Barclaycard with 0% balance transfers and put it all on that, paid off the £1500... then they upped my limit to £4500... and I ended up maxing it out over the course of a year . Wups.