I will just add, FWIW, that if you are carrying a balance and plan to pay it off, the sometimes the best thing to do is use manufactured spending. You have to be so careful not to run up even more debt, but it is a way of no longer paying interest on your balance.
IOW if Card A has a balance, use Card B to buy gift cards in the amount needed to pay off Card A. Cashout gift cards, pay off Card A and now you will close with a balance on Card B. Now with Card A (or ideally Card C) pay off Card B.
Most people probably can't handle this so don't blame me if you get yourself into debt doing this. Anyway, I'm sure everyone here with half a brain already knows this and does it when needed.