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And most importantly, LEARN from the experience. Credit card debt is so easy to rack up but extremely difficult to pay down. Mine is currently at$3,000 with rates etc (a lot for me) and paying down madly.

I think c/c companies would love people like you, large debt transfer and they expect after 12 months no extra would be paid = $ for them. Get the card .. cut it up and pay down madly for 12 mths then reaccess position. Maybe even tell your currant c/c company you are considering that option...

Is it worth refinancing on a "transfer balance 0 interest for 1 year card'? Buy a year of breathing space to pay down as much as possible.