I have two Citi cards (Platinum Select Visa and Simplicity). The Plat. Select is my oldest card and I use it to pay a few recurring monthly payments every month. My Simplicty was opened about a year ago to take advantage of the 18 month 0% on new purchases. To get the CL I needed, I transferred some of my Plat. Select CL over. I am planning to pay off the Simplicity within the next month and I don't forsee needing the 0% anymore. Would I be better off just transferring my Simplicity CL back to my Plat. Select and closing the Simplicity (if that is even allowed) or should I try to PC the Simplicity to something like the Forward? I currently am using the BCP, Freedom, and Discover More for cashback and my everyday cards.