@@ -1,1 +1,1 @@ - +At all. And be aware that the attractive zero-percent offer is often only for a limited, introductory time, called a teaser rate (and it might be only applicable to the debt you transfer, not any new purchases you put on the card -- those purchases may be subject to a much higher interest rate). While this number is determined by a number of variables, a few things are certain: The amount of money you owe in relation to your available credit matters -- this is called your credit utilization ratio. Consolidating your revolving debt may give your credit score a boost or it may lower it -- it depends on what you do with your old credit cards and something called your credit utilization ratio. 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