Some balance transfers are still free over here, but there is a growing trend for companies to charge.
I find the snowball technique worked for me (although my credit rating isn't good enough to get 0% deals any more). Transfer as much of your balance as you can to a 0% card, then pay the minimum on that, and focus on paying down your interest-charging balances.
That way you're getting rid of the 'bad' debt first. |