StudiogicA balance transfer with no payoff plan is just debt in a nicer neighborhood.
Minimum payments are a subscription to your own debt. The balance does not move. The APR does not care.
Carrying a balance on a 24 percent APR card while holding cash in a savings account paying 4 percent is a math problem, not a discipline problem.
A balance transfer with a 0 percent intro APR and no payoff plan is a debt relocation, not a debt solution.
A balance transfer at zero percent APR does not reduce debt. It relocates it. The balance is identical. The urgency is what changes.
I built a spreadsheet that calculates your debt payoff date the moment you enter your balances and minimum payments. Visibility changes behavior.
Debt sequencing is not a philosophy. Highest APR first costs the least in total interest paid. That is arithmetic, not a hot take.
You know your FICO score to the exact point. You cannot name your total debt balance. That is not awareness. That is a number a lender taught you to care about.
Credit scores measure how well you manage debt, not how well you manage money. Those are not the same thing.
A FICO score above 750 gets you approved. It does not get you out of debt. Approval and stability are not the same outcome.