Carrying a credit card balance from month to month usually means getting hit with steep interest charges. The average credit card interest is more than 22%, making it even more expensive to carry credit card debt. A balance transfer card can help you tackle debt without accruing the high interest. These cards let you move your existing credit card balance to a new card that offers a 0% introductory annual percentage rate (APR) for a set period of time, usually 12 to 24 months. Be Aware: Key Signs Your Cre ...