You can get a balance transfer card with a 650 credit score, but approval is tougher and options are limited.

Carrying $5,000 credit card debt at 21% APR can cost over $2,500 in interest if paid slowly.

A $5,000 credit card balance at an average 21% APR can cost more than $1,160 annually in interest, compounding daily. Making only minimum payments or adding new debt greatly increases total interest, potentially exceeding $2,500 over several years. P...