03-23-2009 04:48 PM
I don't think you'll see a significant change since your utilization is staying the same...
I'd wait for a mod to give you a more definite answer though. They're the authority on this sort of thing.
03-23-2009 06:13 PM
If you did these BTs onto a new card then your utilization will have improved just by the fact that your new card supplied more available credit but your CC debt remained the same. That can improve your score if you didn't take too big of a score hit by the new card lowering your AAoA plus the few points for an inquiry.
Important thing is it saved you money if you used a 0% BT offer! That's better than points!
03-24-2009 02:14 PM
Mod = Moderator
AAoA = Average Age of Accounts
IMO, maxing out one card is worse than having two w/ balances (at least two w/ less than 30% util). It depends on what your goals are -- good score or save money, aka, Fico sense vs fiscal sense. You decide.