Take out a cash advance on your cards for $10,000 or whatever other amount you want. On $10K, you will pay a transaction fee of $300 with most banks. Don't worry about the 20% APR for cash advances because you'll be moving the money anyway. Transfer the $10K balance on your card to other cards with teaser rates of 1.9-3.9 for at least 6-9 months. When the rate expires, find another teaser rate and balance transfer it to the new account. Put the cash advance into a margin account. This gives you $20,000 of investment leverage. You'll pay 10% margin interest on the whatever you borrow from the broker if you want to use this extra buying power. Make minimum monthly payments and take the excess that you would have paid toward the balance on the credit cards if you were paying standard rates and add that to your investment account. The buying power of this money is doubled if you're using margin. It takes some audacity to jump into the market right now but the herd has been overselling and the stock prices of some very good companies are extremely cheap. These have got to go up. It is certainly possible to make a 15-20% return in the next year with money that you are paying 2-6% to borrow if you make decent investment choices. On the other hand, using this strategy might cause you to lose your ass. Just don't blame me. I didn't tell you to go out and do this.