No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Congrats you are doing a great, job wish I had 1/10th those cards when I was 19...
I would just ride it out as is, having the loan on your report shows more divisity in your credit profile, and the difference is only 3 months, and only 1-2% interest over a year, and you state you would pay it off in July, you can get about the same savings, by working harder and paying it off a month sooner. Why bother with cash advances and Balance transfers. Not worth it in my book.
I would be worried about a balance transfer to your account being billed at the cash advance rate, which is usually higher than the credit APR. If it is only a matter of a couple months, I think I would just ride it out.
BTW, congrats on your lineup. You've clearly done very well for yourself, credit-wise.
@Anonymous wrote:
You can do a BT from the credit card directly into your checking account and not have to pay the cash advance fee
However, depending how much your bank charges for BTs (usually 3-4%) this might not make financial sense. If you can afford to pay off the loan in three months the difference in interest may not be that high anyway
I agree.