Changing credit cards?

[Tyler]

Hello to all. I'm very happy to have found this site, I really hope to learn as much as possible,
I have three credit cards one with zero balance, one I owe 4'000, and the other I owe 6'000
All three have 18% interest or more, none have any type of rewards.

Can anybody tell me if I can transfer the balance of these cards to one of those 0% interest for one year type cards, if so how do I go about it?
And what would be a good card to do it with? I think my credit is decent it should be somewhere in the low 700s.
I really ain't to sharp when it comes to my finances,but I do know I have really done a poor job of managing them
So I really want to learn and do better, I am very sick of all the money going to waste on interest and feel it's time to turn things around and start saving some money.
Thank you for any and all advice provided.

[AccountantSalary]

Do they even have those types of credit cards anymore? The only offers I've received have been for six months.

I can't recommend any specific but check out the ones from credit unions. I have one with an interest rate under 10 percent.

Look at the terms of service very carefully. A lot of those zero percent cards will jack your interest rate to 20 or 30 percent if you miss or are late with a payment. That's something my credit union card doesn't do.

[JoshuaHeckathorn]

There's only one 0% interest credit card on the market right now that also waives the balance transfer fee (usually 3-5%). That's the Slate from Chase card. It has no balance transfer fee and 0% interest for 15 months.

The problem is all the 0% interest cards are really targeted for consumers with great credit scores. A score in the low 700s might not cut it these days, but it may be worth at least trying to see if you can get approved.

Remember, simply shifting around debt to a 0% interest credit card isn't the answer to the root problem either. If you go this route, do it with a specific payment plan in mind to get your credit card balances paid off once and for all. And make sure you have your spending under control or you may find yourself in the same situation a few years down the road.