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Yes, you can. You can apply for a bank credit card that has a 0% intro APR on balance transfers to transfer your VyStar credit card balance on to it and pay your balance off at zero interest rate. There are cards with different introductory periods so you can choose the one that suits you best. Remember that introductory rate is only for a period of time and once the introductory period is over, and ongoing interest rate will apply. Also, most banks charge a balance transfer fee and an average balance transfer fee is 3%.