However, the balance will be high. I think I will also consider trying to pay off the smaller amount first. See how that goes too. Ugh, more numbers games. Which will require not sending too much for the other card. BUT since the interest rate on that one is much lower, that one may just get paid off first even though the balance itself is a little larger.

That way, paying one card will rule too!

That's exactly what I was planning on doing. The higher interest card card has the lower balance. I was thinking of sending 200 or 300 a month for that one. For the other I will continue with 100 until the other is paid off. Then take the payments I was making on the first card and apply those to my last card. It should be paid off with in a year or so. Hopefully less. Thanks everyone!

Something to consider before you make a decision. Do you have any autopays that go to a card - ie, I have my netflix, sprint cell bill, etc. charge to a CC card every month and then I pay it when it is due. I do this because I don't like hits to my bank account during the month that I might forget are coming and with DH being the only one working right now, the ol' checking account is lean around rent time until the next paycheck.

The reason I am asking is if you have any autopays like that, the amount that is autocharged starts accuing interest the second it hits instead of waiting until the due date like it would if the card was paid off each month.

Will you have the will power not to use either card if you transfer both to the new card?

Do you need to use a CC for any bills that come up during the month, that you then pay at the end of the month? All of this makes a difference. Be sure to check out the transfer fee, as they vary with cards. Sometimes one of the perks to transferring a balance is they will wave the fee. If you decide to transfer to an existing card that has a 0% interest transfer offer for a year, but has an existing balance, understand that all monies go to the lowest % first, which means your original balance of say $3000 at 10% (as an example) won't have anything paid against it until you pay the 0% off, so even if you get a killer deal on a transfer (0%), if the card you are transferring to has a regular interest fee that is larger, you may not be saving the money you thing you are - does that make sense?

I keep one card that I know will always have a 0 balance at the end of the month. I use it for personal things and never put anything on there that can't be paid off each month. That way I know I am not paying interest on a non essential. My other card is for big things that can't be avoided - the A/C that went out on my car, my current horrendous dental bill and any unforeseen things that come up on my rental. If I can't pay it off at the end of the month, I use my line of credit on my house to pay off the card because the interest is lower and deductible, but I try not to use it unless it is an absolute necessity. Transfers, deals, etc are great as long as you have the will power not to use the card that you just zeroed out. If you can do it, it may just be best to pay minimum on the lower interest card and pay as much as possible on the higher interest card until it is paid off...... promise yourself you won't use it, and then start on the second card. There really is some math involved to find out what works best for you.

How much difference in their in interest on the two cards? Is it enough to warrant paying the transfer fee?