Wild or Wise credit card debt strategy?

HockeyCookie says:

You have to pay a fee to transfer the balance. If that’s anywhere close to the interest your getting on your savings you’re just adding stress into your life.

ahj3939 says:

You’re going to pay a balance transfer fee.

Why not pay them off, rinse and repeat. Apply for a new card that gives you 0% on purchases and even a sign up bonus.

You’d want to pay the current accounts and wait for all 3 credit reports to show much lower balance (but not $0 on everything) to boost your credit scores. Even if you get approved the high debt load will greatly reduce credit limits.

TwstdSista says:

If you can get a $0 balance fee, I guess it makes sense. Some people like to play this game, and if you’re one of those people, then go for it.

I personally hate these types of games and I hate monthly payments. I would just pay them off and move on with building up my savings and retirement accounts.

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Varathien says:

Balance transfers require opening new cards.

If you’re going to open a new card, you can probably get more value from sign up bonuses.

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