What can I say about credit cards and 0%
balance transfers? Probably more than most want to read. Especially
since people these days use credit cards too much and don’t give much
thought to ways that they can at least avoid or cut seriously down on
fees and interest payments.

The first and most important step would be a bit of plastic surgery.
Decide on one credit
card that you keep for those times when you absolutely need one and
cut the rest into at least five pieces each. The idea is that credit
cards are not something that you should use except in extreme need. 
People should live within their means and credit
cards make it possible for people to live beyond their means. 
That’s why I think there’s too many of them around.

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