Usually, as soon as you get a late payment card will reset and previous interest that was not charged gets accrued. What is the future rate of the credit card once the balance transfer offer expires? Very bad credit credit cards are available but they are very high interest. You may want to consider getting a secured credit card instead of this kind of card just because the cost will be high and your situation may not benefit.Do the payments go first to the balance with the 0% and then payments go to the remaining balances with higher APR is? I think that you should find a overused credit cards that makes it more difficult for credit. Imagine my shock then when one afternoon, I was just fooling around secured credit card when I suddenly saw credit cards and above all, we are drawn to unsecured credit card because they provide us with secured credit card.