Carrying credit card debt from month to month has never been cheap, but the past few years have made it considerably more expensive for the average borrower. After all, credit card interest rates climbed to historic highs and largely stayed there, making it easy for the interest charges to compound quickly. And, if you're juggling multiple credit card balances , managing several growing balances and due dates can make even the most disciplined budget feel out of control. That's why the idea of