I dropped the ball last month and was late on a credit card payment for an account that has a huge balance (for a variety of reasons... husband's brain surgery co-pays, down payment on difficult child 2's braces, husband's two root canals and crowns last Fall, his gambling sprees, our higher airfares to Hawaii last year after the flights were cancelled due to bankrupt airlines, yada, yada, yada). The company jacked my rate from 5.9% to 29.9%! Big ouch. My fault, I know. But someone must have been looking out for me because the day before I found out about the big hand-slap, I'd received an offer in the mail for a card with 0% for one year on balance transfers and NO balance transfer fee (haven't seen a deal like that in a loooong time). I applied online earlier this week and FINALLY got word today -- we were approved! Talk about your HUGE sigh of RELIEF! husband had a lightbulb moment the other day when we were discussing our lousy financial health -- he said, "we really need to be careful not to run up the credit cards like this again." Uh, DUH? I've been nagging on him for YEARS to live within our means! I sure hope he's finally learned the lesson.