Should You Use a Credit Card to Pay Off Debt?

Can you use a credit card to pay off debt? Technically, yes—but it’s not always the best strategy. Some people use balance transfer cards to move high-interest debt onto a card with 0% APR for an introductory period. While this can save you money on interest, balance transfer fees can be as high as 3-5%, and the 0% APR typically only lasts 12-18 months.
If you don’t pay off your balance before the 0% APR ends, you’ll face high interest on the remaining debt. A personal loan with a lower, fixed interest rate might be a safer bet for long-term debt relief.