text: which: would it be wise to combine in cr. line acct. w/set mothly or transfer 0%for 6 mos. w/fixed rate to - % attempting to decrease accrued finance charge with ruling. i will pay a larger payment and get break.  my payments have gone up to $350/month. one thing about combine of your cr. you end up with bad cr. if your cr is over half of your cr line .but do what's best for your cr.but i do agree on getting a fixed rated.because it's going to get a lot worst for the next few year's ..dan..