Here we are in Barcelona, sitting in our hotel room, just before heading out to dinner when I got an email that our balance transfer to consolidate $10,000 in credit card debt was going to be delayed, which would result in us having to pay $1200 in delayed interest payment. We were on day 6 of a 10-day trip through Spain, and this email could have ruined a wonderful vacation. Instead of enjoying the sites and heading to dinner like we had planned, I had to call the credit ca