You can transfer the balance of your current credit card to a card with lower rates or a zero interest introductory period. If your credit history is good to excellent, you can apply for the credit card which has an 12-month 0% interest introductory period on balance transfers. The card also has a 12-month 0% intro APR on purchases and charges no annual fee. If your credit is less than good, you can consider applying for the . This is a secured credit card which requires a secured deposit. But it has low APRs and allows balance transfers.