If you have credit card debt, look for low-interest balance transfer offers. Just be sure to check the transfer fee. Some banks have begun charging as much as 4 percent of the balance you’re transferring, reports LowCards.com, which tracks the credit card industry. Make sure the amount you would save on interest payments is more than what you would pay to move your debt to another card. Try calling your card company first to request a lower rate. Say you’re considering a transfer offer and ask if it will match the rate. That way, you can save yourself the fee.