I have a slight debt to a certain gov. agency I have to take care of, more than I can pay in one sum, and in thinking about the transfer plan and it seems like a good way to get around somebody's high-interest, take 1/4 of your piddling monthly payment for penalties idea of a joke. Very Funny. I plan on making $100.00 monthly payments, so this isn't going to drag out very long, but the idea almost seems too good to work out. There has to be a couple of drawbacks. I guess what I am wanting is to pay off a debt with an unlimited supply of 2.9% or less APR. Take advantage of the cheap intro offer and then cut them up or at least file them away when the offer expires. I have learned my lesson about Credit Records and Driving Records (cheap ins!) and am not going to miss any payments, pay double in interest by making only the minimum, or go charge-crazy because I have a couple cards. Or speed. Jeeze, if my parents could only hear me now: 20 years later their advice finally kicked in! Thank-you for your help.