I have 3 cards. One 1 owe £9 and this will be paid of by the end of this month.. I wanted to take advantage of the 0% transfer being offered on my Virgin account and to set up a direct debit to pay of the outstanding amount on my Alliance & Leicster card.I As they both belong to the same group they won't transfer. Which is the best way to cosolidate. Would applying for another 0% card and paying by direct debit affect my credit rating. I wish to be credit card free by the middle of 2009.