One needs to have some idea about how long it is going to take to pay off the total debt on the credit cards
. If one knows he/she can do it in about a year then one can look at doing one balance transfer with a good 0% deal and that should be all.Once the transfer has done, one can just concentrate on paying back what he/she owes without being charged any more interest. Just make sure when the 0% deal runs out and that one can pay if all off by then. If anyone needs longer than that to pay it off, then he/she can either find the lowest rate they can for the life of the balance or by organizing it very well one can keep transferring the balance to the next special offer 0% deal and avoid paying any interest at all.The way of dealing with credit cards will be improved by facing up to some basic truths about them first. The first thing to remember is that the each and every single credit card is designed to make money for the card company to enhance their existence. Tough this does not mean that there are no ways to take advantage of the benefits of credit cards without paying the card companies but one needs to understand where the traps are and how to avoid them.They turn a profit by making it very easy to spend money and charging on what have borrowed until paying it back. The big difference between cards and loans is that with a loan the repayments are fixed with a definite pay interest but with a credit card one can avoid paying any interest at all if one pays off everything he/she spends every month.