I have tried asking this in different ways, but I think it would be best if I just lay it all out there, and hope that it helps.

As of now, the balance on my credit card is $ 1,077.85. The limit on this card is $ 1,300. I do not plan on using the card any further. I got custody of my young brother last year, and this card was mainly used for Christmas, as our fund were low (I know, bad idea). Since I realize now that it wasn’t the way to go, I’m trying my best to fix it. I have, and continue to pay my card on time, way more than the minimum payment. In the past year and a half I have only made one late payment, by three days. I know that it is still a late payment, and will still reflect on my credibility.

However, I am having one awful time with customer service on this card. It took me months to get them to remove some type of payment protector I never asked for. Each time I call they feed me a line, and in the end, my questions are never answered. I’m tired of it, and would like to move on.

My father in law asked me if I had thought about transferring the balance on my card to a new one with 0% APR for 12 months, and a low to none transfer fee. In fact I have, but I wouldn’t know where to start. Keep in mind that this is my first and only credit card.

I don’t plan on cancelling the card, but rather it will not be used. I want this balance paid off in the easiest way possible, but honestly the interest rate on my card is killing me – 19.99%. I know I have myself in a hole, but I have seen worse. I don’t want to get to that point – where I can’t pay it at all.

When/if I transfer my balance to a new card, which company charges me for transfer fees, if any? Is transferring the balance going to be hard on my credit score? If it is, how long might it take to repair it?

Thanks so much for any advice.
Please bear in mind that when I applied for this card I was not educated in things such as interest rates and such….which is why my card isn’t all that great. And yes – that interest rate is before this missed payment (they haven’t hiked it up).
Thank you SO much everyone! I kept reading responses to other questions saying that it would hurt your credit to do this, and that I shouldn’t even consider it. I don’t plan on using either card anytime soon, as I really do not need them now anyway. Like I said before, the issues I’ve had were of my own doing, because I was not educated well in this area.

I understand it much better now though, and I greatly appreciate all your help!