If you're staggering under high interestcredit card debt, one shrewdtactic is to transfer the debt to a cardthat offers 0% interest on balancetransfers. Once you switch the balanceto the new card, any paymentsgo to shaving dollars off your debt,not to paying off interest. You canfind cards that offer introductory0% rates on balance transfers atwww.balancetransferscafe.com. Watch out for fees of upto 3% that the new card maycharge to transfer your balance.Also, avoid using the new card fora personal buying spree. The 0%rate won't apply to the new purchasesand any subsequent payments willgo toward those purchases, ratherthan to the transferred balance.