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AFAIK, it will be a HP. Unless you received a pre-approved CLI solicitation. Check with them just to confirm.
@cartwrna wrote:
I'll pass on that then lol. I have enough limit to transfer to it and take advantage of the 0%, just didn't want to use up 50% of my credit line :-/ decisions decisions. Save $ and jeapordize precious points or pay the little extra in interest and keep them points...hmmm
If it were me, and again just based on the no risk, no rewards principle, I would do the BT. For one, you'll save precious $$. Sure, your FICOs may take a dip (probably nothing huge but YEMV) while the balance is at 50% utilization for that particular tradeline, but on the upside, FICO scoring has no memory on utilization. So, as long as you are making decent payments to retire the balance within 12 months, your scores will recover over time provided no other cards have any utilization spikes. In other words, I'd sacrifice precious points over saving $$ in the long run
Maybe others can provide other perspectives.