I have a Bank of America credit card that I simply cannot pay off. I originally got it for overdraft protection for my checking account but, surprise surprise, I spent on it too and now it's IMPOSSIBLE to get ahead on. It's maxed out at $2000 and there's a 40% interest rate so every time I put a payment towards it it just goes back up next month, even though I'm not spending on it. I called the bank and tried to get my interest rate lowered and they wouldn't do it.
So I'm thinking I need to get a new credit card with 0% APR for 6 months or whatever and transfer the balance. What credit cards should I look into? I already have a Capital One that I'm having the same problem with. Any recommendations for cards with no interest that I could get a reasonable limit on? How do I go about transferring balances?



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