Does this balance transfer make sense

[BaileyCakes]

I have a citi offer for a balance transfer. 0% Apr until 9/2014. Current balance is $1112 with a 2910 credit limit.

Only other credit card with a balance is chase, which is $994. Credit limit is $2100.

My total credit limit is $7910 as I have a VS and a capital one card with zero balances.

Doing the BT will put citi at 72% utilization but clear out chase. I realize my overall utilization doesn't change.

I'm looking to apply for a mortgage in January/February of next year. Current MyFico credit score is 672.

Should I leave it be?

Thanks in advance!

[Creditaddict]

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@BaileyCakes wrote:
I have a citi offer for a balance transfer. 0% Apr until 9/2014. Current balance is $1112 with a 2910 credit limit.

Only other credit card with a balance is chase, which is $994. Credit limit is $2100.

My total credit limit is $7910 as I have a VS and a capital one card with zero balances.

Doing the BT will put citi at 72% utilization but clear out chase. I realize my overall utilization doesn't change.

I'm looking to apply for a mortgage in January/February of next year. Current MyFico credit score is 672.

Should I leave it be?

Thanks in advance!

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Transfer it... Mortgagtes look at total payments to income... having 1 payment will be less than having it spread on multiple cards.

and i assume your not at 0% on the other so the extra savings can help you pay it down faster.

[BaileyCakes]

Awesome. Thank you!

And yes, the other card isn't 0%