I guess I will redefine 'nice limit'. I would consider that anything over 5k. I would poss. transfer a total of 6100 if they would approve me for it.
That way I would have 2 cards with a 0 balance. Does citi charge a BT fee?
I would defenetly try BOA. High util. is a problem, but you have IMHO good chance to get a card if not directly as on recon. And do not forget ask CLI on activation.
BTW, if you apply to one of the 0% BT cards you actually can justify pretty high CL.
The best they could do was 9.25%.
I guess it is down to citi or BofA
Do you belong to a CU where you could possibly get a consolidation loan?
I can not say it about Citi, but can say it about BOA.
I personally love Citi.... they are great to work with.