Advice on paying off $5000 in debt between 2 credit cards as fast as possible

Question

Back story: I've been carrying around a LOT of debt between 2 high APR credit cards for the past 3 years or so. I was unemployed for several months and used those 2 cards basically to survive and haven't managed to pay them down.

I was doing well making large paying and getting it paid down until I got my 10-15mpg SUV (a gift) 6 months ago. I stopped being able to pay much more than the minimum because I'm dropping $500 /month on gas alone (long commute). I'm looking to downgrade to a small fuel efficient car, but want to pay off my debt before I tack more on.

Question: Should I transfer the balance of my 2 credit cards onto one new card with some sort of perk like no interest for a year or something? What card would you recommend? Has anyone tried to do something similar using a PNC credit card? I thought since that's where I do my banking they would be willing to work with me.

If this is not the best way to go to pay off my debt please tell me what is.

Thank you so much in advance!

Answer 1

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Answer 2

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