@webhopper wrote:You're doing great, that being said, I don't like Citi and I don't like the idea of opening a new card for a BT... unless, like others mentioned, you will be saving more than 500 in interest.
If you still want a Citi card as a backup later on down the road, you should definately consider it.
Also, you could consolidate to a personal loan at lower interest...
What rates are you paying now on your balances?
9.9% on the CU Visa and 10% and the PSL loan. All other balances are 0%.
Not interested in another card just the BT offer prety much. I think the interest would be below $500 but even thats alot to swallow 
@LS2982 wrote:
@webhopper wrote:You're doing great, that being said, I don't like Citi and I don't like the idea of opening a new card for a BT... unless, like others mentioned, you will be saving more than 500 in interest.
If you still want a Citi card as a backup later on down the road, you should definately consider it.
Also, you could consolidate to a personal loan at lower interest...
What rates are you paying now on your balances?
9.9% on the CU Visa and 10% and the PSL loan. All other balances are 0%.
Not interested in another card just the BT offer prety much. I think the interest would be below $500 but even thats alot to swallow
Do you have a discover card? If you do they usually have ongoing BT promotions. Just check the credit options tab. I think I have 0% for 12 months then 10.9 with a 1 or 2% fee. Also, if you call them they can offer you promotional rates YMMV. I called and got 3.9% for 12 months even though I never carry a balance. They also lowered my permanent APR to 10.9. It is worth a shot.