If you gave your credit cards a workout during the holidays, those bills are probably asking to be paid right about now. In an effort to avoid the higher interest payments on your bigger balances, you may be considering transferring your balance to a card with a zero or low-percentage introductory rate. I know the fine print is painfully boring but if you skip it the consequences could cost you. Make sure you know when the introductory rate expires (usually about six months) and jumps to a standard rate, and pay attention to how they treat new purchases. Many cards with teaser offers only apply the introductory rate to your transferred balance, and apply a standard rate to new charges. Transferring balances is usually only a good idea when you're focused on paying off debt.