Pre-approval will you kill it?

[TrishN]

my Utilization 40%

AAOA 2.2

24 Inquiries CC and auto loan 

Scores now EQ 676 TU 688

3 baddies 2 Paid CO and 1 unpaid medical CA will falling off this year . 

I got pre-approval letter from my local bank

0% APR for 12 months

0 balance transfer for 12 months

No AF

3% Cash back for gas

3% cash back for restaurant.

1% cash back for anything ele.

So will you take it or kick it?

[BornSupercharged]

24 inquiries I'd leave it unless you have a balance on a high apr card that you wont be able to pay off anytime soon.

[09Lexie]

Your util seems high - is this just due to the holidays? If so and you want the card to pay off a high apr fine. Also, the number of inq's is that for all bureaus? how many in the past 12 mos?