Good luck with the credit freeze going on right now. Unless you have amazing credit then you will more then likely have trouble getting additional accounts. Also, opening a bunch of credit cards to take advantage of 0% is not really that good for your credit either. And, if you cancel any of the cards that also may have a impact on your FICO score as well. I would personally look for a part-time job and just pay it off. I'm sure you will get nailed with back interest as well if it's not paid off in the terms agreed to.

I agree with User Name. Although, you already bought the house and assuming you have a fixed loan, you don't need that great of a credit score right now. So, unless you are planning to by another house soon or finance a car, the FICO is not a priority. I would suggest that you just focus on paying off the 10K ASAP while it is still 0%.

You can get into deep trouble trying to juggle balances around between several cards. Something will inevitably slip through the cracks and you will get hit by a huge interest hike and/or late payment penalties. Don't rely on the CC companys to honor any agreements or terms. Read the fine print.

I have several friends who thought they had out smarted the CC game by transfering around between multiple 0% cards and now they all pay 25%+++ in interest charges on several cards. Not worth the headache.

Thanks for the advice... I plan to pay it off with my $7500 tax credit along with my normal tax return come tax season.

My 0% doesn't expire until middle of next year, so I shouldn't have to transfer to another card before I pay it off.

Again, thanks for the advice.

I also do work a second job, but when ya have a new house payments, all the utilities, decorating and furnishing bills, college loans, etc, it just helps make ends meet.

You ever think about lowering that huge first-of-the-year tax refund and keeping more of your paycheck each week in your pocket? Some people really enjoy the large payment and look at it as some kind of savings account. But you do get the option to keep more of your check each payday.

I know it's tough working two jobs. Been there several times too. One other thing to look at with the two jobs is how it affects your income tax bracket come Uncle Sam's tax season. In some cases you can actually work enough hours to effectively lower your hourly wage significantly after increasing the taxes due. But every person's case is different, just something to look into if you never thought about it.

+1 on Cugine's post. If you received more of your hard earned money in your check per pay period, you could actually put it towards paying down debt, or put it into a high yield savings account. Uncle sam pays you NO interest to hold onto all of that money through the year!!!!

If you opened a savings account starting with $100 with a 3% interest rate, compounded daily, and you added $616 a month ($7400/12) that $7500 that Uncle Sam used to have would generate about $105 just in interest! who couldn't use an extra Franklin + Lincoln come Xmas time?

The $7500 is from the new home owner tax credit. I have a Money Market account that automatically takes $20 a week from my check. In a year I've put in 1K and not even noticed it gone.

Sounds like you got a good plan in place. Just stay away from those singing sirens A.K.A the CC companys and their 0% APRS and other gimmicks. Always read the fine print.

I fell into the 0% APR pit. The problem I had with it was, well... I can buy it now, and pay it later... So I did! Well, sort of. I forgot to pay it later! Now, I have a ton of debt on my credit cards that I have to pay.

Also, that Money Market account you have, as long as you have the 0% APR going I would only pay the minimums until the final 0% month. At that point I'd take the 10K I had saved in the Money Market account and pay off the credit card. I know it's only a 3-5% savings, but, it is still free money!