The Transfer Game

I now have four major credit cards! I applied for one to take advantage of the "0% interest for a year on balance transfers" offer. The one downside is that they charge an automatic 3% fee for this service. That fee applied to the amount I transferred comes out to about $75, or roughly two month's worth of finance charges on the credit card from which the money is being transferred. It's kind of a pain in the ass, but I figure that I will save money in the long run by paying of the remainder of the balance on the old card in the next two months and then having no finance charges on the new one until next May. That shouldn't even be an issue since I should have the $2500 paid off before then, at which point I'll have just my one biggie $4000+ credit card to pay, but the interest rate on that card is so low (6.99%!) I don't mind taking a little longer to pay it off. My goal is to put approximately $400 each month towards CC debt. Factoring in that I will try to put part of any windfalls or extra money I get towards the debt, I should be done with it all in under 18 months. I haven't charged anything except my health club dues on the cards in some time, so I feel good about the direction I'm going.