With the 0% BT, I was able to zero out on 5 accounts. Of those accounts, one was Dell, charging me 29.99% or about $45/month on interest & 2 Orchard Cards with 27.99% and 24.99%. The interests saved helped pay down my balances quicker.
That Discover was also my first 0% card ever!
Oh, absolutely! I wasn't criticizing. I just meant that high util, however justified, seems to be one of their handy-dandy checkpoints for whether to CLD, and that happens a lot with good BT offers.
Any day, saving bucks on interest is what matters.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007