I currently have 6 cards and two of them are maxed out. I was approved for a Citi Thank You with 0% interest for 12 months with a $3000 balance. Should I do a balance transfer on my Discover (1470) and Chase (1356) to the Citi card? My other cards are ok. Discover IT $1900 no balance, First Premier $700 no balance and Cap 1 400, no balance.