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I am looking to make a couple large, immediate purchases with a credit card. I already have one credit card with very little available balance. Should I:
A. Apply for a brand new card and use it to make these new purchases?
OR
B. Transfer my old balance to a new card, then work off paying the low APR new card while putting the new purchases on the old card?

I want to transfer the balances of two credit cards to one balance transfer credit card with a low APR… One of my cards is maxed out ($800). Problem is I had to quit my job to give birth to my second child so I am unemployed, eighteen years old and i just started my credit history.. I need to clear my balance the best way possible what card do you think I would qualify for?? HELP I need financial advice!!

I’m pretty close to the maximum limit on my credit card (I owe $7,200 and the limit is $7,500). I’ve already cut up the card and changed my spending habits and I’m pace to pay it off over the next 12-18 months. Problem is, the interest is killing me. If I pay the minimum monthly balance of $300 then the next month I get charged $200 in interest, so my monthly payments are barely chipping away at the balance. Is it smart to apply for a new card with zero interest on balance transfers and transfer my balance? If I could get 12 months of no interest then I could bring the balance down significantly and get close to zero, but I hear that doing this affects my credit score, at least during the short term. Should I stick with my card?