Other questions to ask yourself: How long will it take to pay off the balance? Are there other fees associated with the transfer credit card? Here are a few credit cards success stories. There are still companies that do offer zero balance transfer credit cards but you do need to spend time looking through and comparing offers. Very bad credit credit cards are available but they are very high interest. You may want to consider getting a secured credit card instead of this kind of card just because the cost will be high and your situation may not benefit.I want to feel helpful. Sometimes after six or so months a 0% interest rate on the credit card may immediately jump to interest rate that is greater than what you are paying now. Discover more card also offers a zero APR on purchases and balances.