[paulmish]

Jesse - I used to be too nice, once I hit 40, that all changed! You sort of get, like, life is too short to pull punches anymore.

Tree0164 - Yes, what I did was apply for a Chase CC with 1 year of 0% and one free transfer. I applied online, they say it takes up to 30 days, but it took about 10. Give Chase a transfer amount for the old card, and plan to pay the rest yourself. You will probably see the payment on the old card before you receive the new one (I did). After that, STOP using credit. Use debit, and pay whatever you can on the credit balance. If you can't debit somehing, use the new card - the interest is 0% for purchases up to one year, too. After one year, either pay off the balance (if you have one), or transfer it to another 0% card. This is my plan - no interest, no bounced checks, and no more credit used - awesome! Eventually, you will be on a cash basis.

Please don't shop at Wal-Mart!!!

The Frugal Yuppie