I misunderstood. How does this sound?...
0% APR on balance transfer for life of the balance, plus 0% APR on all purchases until February 2009.
I can Extend the 0% APR for life by making 2 purchases per month, at a rate of prime + 9.74% currently 14.74%. (so I guess I can make just 2 very small charges per month, but that higher interest rate will carry until the whole balance is paid off).
This is what I currently have:
$4000 on AMEX at 2.99% for the life. CL is $6700. I could do a BT on the remaining $2700 for 9.99%
$13,400 on HSBC at 11.2%. CL is $21,300.
I have a few open, but non-active store cards that probably don't total over $1,000, and I never use them anymore.
So, folks, waddya think? Should I call them back and go for it?