My credit card is going to change from a fixed rate 13.99% to a prime rate+8.99% should I try to...

Yes, it makes sense to transfer your outstanding balance onto a new lower fixed APR or 0% intro APR credit card. There is a great choice of balance transfer credit cards that can save time and money on paying off your debts. If your credit rating is somewhere between good and excellent you can safely apply for a balance transfer card with a much lower interest rate than your current 13.99%.

All best balance transfer credit cards offer you either 0% introductory APR or low fixed APR on balance transfers until they are paid off. You just need to decide what's best for your repayment plan. For your convenience we have selected some of the most popular balance transfer deals available on the market today.

If you want to pay off your $3,200 debt fast and at no cost, take a look at Platinum Visa from Chase Bank or More Card-Clear from Discover Card Company. Both offer 0% intro APR for 12 months on balance transfers and on purchases, which is quite a benefit if you don't rule out making purchases on them. These are unsecured no annual fee cards for customers with good/excellent credit history.

In case you need more than 12 months to eliminate the balance, an excellent option for you will be Blue from American Express that has an irresistibly low intro APR on balance transfers until they are paid off.

Your balance transfer APR will not change unless you are late or miss your monthly payment, so be sure you'll be able to pay down your debt at a fixed rate.