Future DIL has about $4,000 on CC with a interest rate of 18%. I've been looking for a better option for her. I found a card at EECU that is fixed at 7% on all balance transfers. However, there is verbiage in the details that the rate could be adjusted at the end of 1 year based on "credit worthiness". Her credit score is 720sh. Do you have a better option that I can point her to? Thanks!