We have about $40,000 on three credit cards for our business. Currently, the rates are between 12.4 and 13.5%. We got a credit card application in the mail for 0% until Sept.07, and 13.65% after that. Is it worth transfering the debt all to one card, cut up the old cards and the new one (no new spending), and pay it that way? It's fewer bills per month, and less interest will help us pay down the principle faster... But I'm anxious about taking on a new card and am not sure if it's financially the best decision.