Help consolidating my debt
Many zero-percent or low-interest balance transfers are subject to a fee (sometimes called a “balance transfer fee”) The fee is usually a certain percentage of the amount you transfer.
In addition, if you use the same credit card to make purchases after you take advantage of the balance transfer offer, you will be charged additional interest on those purchases.
After that, your lender may increase the rate you have to pay.
They may also include hidden fees or costs that you would not have to pay if you continued making your other payments.
Ask your credit card company about a debt repayment plan.