Here's the deal.
Lets say you owe 10K. You may be paying 150$ a month in interest alone.
So, you get an offer to combine all your balances from multiple cards, or just the one you owe the most on.
They will charge you NO Interest for 18 to 24 months depending on the offer.
They also ALWAYS charge a fee for this service, usually 3 or 4%.
So, on 10K, that's 300$ or 400$ depending on offer.
You are paying that much in interest in 3 months, so it's worth transferring.
Once the 18 or 24 months are up, now you pay the interest rate THEY offered you. Some cards are 14.99%, some are more and some are less.
You just have to weigh your options....
All our government does is distract us while they steal from us, misspend our tax $ and ruin our country