I just went to the library to take out the Start Late Finish Rich book. I know it sounds cheap but it is a way to read books for free. I just read the section about calling your credit card co. and telling them you have an offer to transfer you balance at a lower rate. I have a card with a rate of 32%. I explained to the rep. that another bank was offering me 15.9% to transfer. I almost fell out of my chair when she lowered my rate to 14.99%. It works!!!!! I am going to Start Late and Finish Rich!!