I am becoming the temporary executive director of a kollel and as I am reviewing the finances, the first thing I check is the credit cards. So I found 1 card the CL is maxed out and they are paying 28.99%!!! interest and making the minimum monthly payments. Can I open a new card and do a balance transfer? I obviously don't want this showing on my report- that only minimum payments are made or the balance. Will this affect me in anyway besides a pull? any recommendations on a card I can do a business balance transfer with 0% interest for a year and no transfer fees? TIA. PMs welcomed for any advice on how to handle this