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Source Reddit r/CreditCards reddit.com Forum
July 7, 2026 ai_technology consumer_credit

Is a balance transfer card a good idea? Or am I overthinking it.

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Overview

Anytime I have balances on multiple cards, it starts to give me anxiety. I’m not exactly sure why it does. But it makes me feel like I can’t spend money and need to stay home lol. I’m trying to decide if I should transfer one or more balance over that has high interest to pay it off faster. I have an offer from citi for 15 months. Here are my current balances. 2800$-25% 933$-15% 2000$-20% 900$-30%- this was a rebuild car from almost 8 years again. So ridiculous apr. I want to transfer this balan

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