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to another card that has a lower rate, terry? well, you re really fooling yourself because just transferring the balance is it may give you some breathing room so i won t tell you not to do it. i m going to in fact show you where to get some tips about transferring. but then i ll tell you about the fine print. if you go to lowcards.com they have some very interesting offers on the home page of credit card issuers that are offering you good deals to transfer your balance. you can even get a zero percent interest rate. so that s tempting, but you ve got to use that time to pay down your credit card bill because the fine print will tell you that, after you transfer, you may encounter a balance transfer fee. you may encounter rising interest rates within three months or six months, higher than you re even paying right now. so if you re going to play the balance transfer game, remember that s giving you time to pay it down. also, if you don t have good credit, those companies aren t goi