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If debt is a problem for you and you have high balances on every credit card you may want to consider doing a balance transfer. This is when you transfer the balances from one or more cards to a 0% interest credit card so that you are given some time to pay down your debt without most of your payment going towards interest. Most major companies send out offers in the mail regularly so keep an eye out for the next one you receive and always make sure to read through the fine print before applying for anything.