Step 1: Shop around for a new potential lender by calling them or applying online to see if you qualify. The following options are not exhaustive, but will give you a good start. Whether or not they accept you depends on your credit score and what the lender requires:
| 0% APR Length | Initial Balance Transfer Fee | Annual Fee | |
| Discover it® Cash Back Credit Card | 14 months | 3% | None |
| Citi® Diamond Preferred® Card | 18 months | 3% | None |
| Citi Rewards+ SM Card | 15 months | 3% | None |
| Blue Cash Everyday® Card | 15 months | 3% | None |
| SunTrust Prime Rewards Credit Card | 3.25% for 36 months | None | None |
| PenFed Gold Visa® Card | 12 months | 3% | None |
Step 2: Once you are able to successfully transfer the balance from your current debt to one of the above (or similar), do whatever you can to pay it off before the initial low-interest period ends.
Step 3: Celebrate getting rid of that debt!!! 🙂
