I will agree with you that you will save significant amount of money paying a 3% balance transfer and paying it off before the 15 month intro rate is up. i caution people about taking out any credit if they have current debts at 24%. I understand there was a misunderstanding and you had not intention of having this high of an interest rate, you probably fell into a trap from the ring store/ finanacing company. let me tell you the credit card companies have many of these same traps, maybe not as bad as this one but the reson they offer these big bonuses for signup is they understand how to set traps for one who does not pay attention to details, and they count on peoples lifes being busy so they wont take action right away and they can continue to collect from you.

i am not hear to judge your situation but rather to try to help so that you dont spend more in interest from these cards than the benefits of the miles.

I undertand having your money working for you while you pay zero interst, in fact a few years ago you could get a 5% on saving account via washington mutual, charge up a bunch of mint coins tranfer the account ballance to zero interest credit card and deposit into a 5% earning account. i would be hard pressed to ever earn a rate near 24%.