My Discover account (consolidated a few debts & transferred for 0% APR) is on deferral right now, as I was unexpectedly unemployed in March.. haven't found work yet... and in November the 0%APR will be off and go sky high.,, with balance hardly touched. Should I transfer balance to another low or 0% card? Would that jeopardize my credit rating. Could I get an extension of 0% with Discover?