A 0% balance-transfer mailer can save real money - or just add a fee and another hard pull. Compare the stay-put path against the transfer offer, including the upfront fee, post-intro APR, payoff time, and approval odds.
The fee is outweighed by lower interest cost. Keep the payment the same after transferring - that is where the savings come from.
Paying $350/mo until the card reaches zero.
$204 fee, 0% intro APR for 18 months, then 21.99%.
Debt Engine compares this offer against your real debts, payoff order, and windfall paychecks before it earns a spot in your Plan Library.
A one-time number is a start. Debt Engine tracks every debt, watches your BNPL deadlines, and earmarks the two “extra” paychecks a year that actually get you to zero — then redirects them to retirement once you’re debt-free. No bank login, no signup to try it.