Many struggling consumers are trying to reduce their financial obligations, but some options could be more problematic in the long run. One of these options involves zero-interest credit card offers, such as zero-interest rates for balance transfers for a certain period of time. Some companies allow consumers to transfer any loan balance, including car loans. However, the offers usually have a short window, with the longest being 18 months. After that, a high interest rate generally applies. In the short term, consumers may save money by bypassing interest payments on their borrowed amounts, but they could pay more in interest than if they had kept the original vehicle loan. Consumers transferring auto loan balances to credit cards actually can harm their credit scores. Transferring debt to a credit card means trading "installment debt" for "revolving debt," which negatively affects ratings.