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Given that you may need to solve both your short term issue related to and the offers on this page may do so, here are some ideas for longer term issues. Stay away from carrying a credit card balance. Between their late payment fees and outrageous interest rates, you can almost never get your head above water while carrying that kind of debt. Separate what you need from what you want. Before you spend on 'goodies', identify the essentials and be sure they are paid for without debt. Then with the discretionary left-over buy the 'goodies' for cash. Part of your basic strategy needs to be regular payments into a long-term savings account. Thus, with some new financing at a lower rate and a disciplined plan for savings and spending, bank one credit card offer may no longer be an issue.

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