If you have credit that’s in good standing and you want to get a leg up on paying down some debt, try a balance transfer. If you can transfer your high interest debts from an old card to a card that’s got a 0 percent APR introductory period, you’ll save yourself a lot of money

Some balance transfer cards have a 0% interest rate for 21 months. If that’s the case, then this means you have almost 2 years to pay down your debt on that card without having to worry about an interest rate. And if you don’t pay it all off in 21 months, you can easily transfer the rest of the balance to a new card.