It is always good to pay the monthly fee, plus any interest. There are a lot of cards out there that give you a year of 0 interest. Transferring it there can make sense in some situations. Calculate the amount plus any transfer fees, and see if you can afford that payment per month. If you can, that should be paid off on time or earlier to save you fees and grief. ALWAYS REMEMBER, the CC statement's minimum monthly fee, is not going to pay off your card in a year, Plus if you use the card for purchases, anything you buy will be paid off either subsequently to your 0 interest or as some share of your 0% balance + a piece of your new purchase balance. Best if you go the 0% route, to lock the card away and only pay it.
