So, as I'm getting more and more into understand just how much money I waste, I'm looking to acquire a second credit card. The reason for that is that my current APR on my only credit card is 11%. A few people have recommended that if I can pay all my debt back within 12 months (which I can), that I might find another credit card with a "0% APR for 12 months on balance transfers" beneficial. After calculating what my 3% transfer fee would be, I've concluded that it would probably be a good idea to at least consider getting a second credit card. I've checked CitiBank, and I found a card that I liked. I'm just wondering if anyone here has any advice on where I should consider getting a credit card of this type.