Hi MariaSpencer! In July of 2010 I had about $7k in cc debt on my 1major cc which had a minimal 9.9% APR. Due to the nationwide APR hikes it jumped to 13.9% and I was PISSED! After doing months, yes 2 months, of research & due diligence I decided to transfer my balance to a 6 month introductory 0% APR cc with Chase. And honestly it was the best thing I ever did! My credit score jumped up about 10 points & I paid off my debt within those 6 months!!! Yes it was hard but knowing I was up against a deadline helped a lot & It felt so good knowing every payment was going right to my debt and not interest!
So if you're scared, just do your research and get the best cc for you and make sure you pay off that new card before the 0% time period ends!

God I would do anything to have a 0% interest APR :( Chase raised my rate to 29.9% for NO reason. I am on autopay so I never miss a payment and actually pay 400 every 2 weeks to my card. Still is going to take me approx 16 months to pay off my credit card but man if I had 0% interest I would have that paid off in 8 month grrrr. Any advice would be great