0% BT credit cards

[Anonymous]

Are there still any 0% or just low balance transfer credit cards out there anymore? I have a FICO of 686.  I have 8 cards totaling 28K in credit card debt, but one card of 11K is going up to 24% in 2 months.  What to do or where to turN? 

Anyone?

[DI]

You want to try a credit union. But I don't know of  any CU that offer 0% BT.  However, they do offer smaller BT rates for the life of the balance.  Try PenFed.

Message Edited by DI on 12-05-2009 11:51 AM

[Anonymous]

Addison Avenue CU has a 3.9% BT through 12/2010 with no BT fees, and 5.24% regular rate.

PenFed has a 4.99% BT for 24 months with $100 max fee, regular rate of 13.25%.

PSECU has a 3.9% BT through 12/2010 no BT fees, regular rate 9.9%.

NFCU has no special BT rate, but does have a regular rate as low as 7.9% with no cash or BT fees.

USAA has no special BT rate, but does have a regular rate as low as 8.9% with max $75 BT fee.

[marty56]

I would also look at a CU or possibly National City.  They pull TU as far as I know.

IMHO with 28k  of CC debt, I would look into a DMP program which would lower your interest rates.