I have good fico score ~700. Interested in opinion. Just opened new CitiBusiness credit card ~$8000 credit line and consolidated $45,00 from second CitiBus card ( left $5,000 on this card). With the $53,000 credit line on the card with the 0% balance transfer promotion (they will send me check), what is the maximum I should take (? up to 90% -) to minimize hit on fico score. I have easily over $250,000 credit line on numerous cards( personal & business) with probably 1/3 the cards no balance( do not use or use and pay off each month) and the other 2/3 with 0 - 1.99% balance transfer promotions where I pay slightly more than the minimum each month and have balance of 75-90% of max. None of the cards have accumulating interest that is not part of a promotional rate. Lastly, does paying 1 day early or more than the minimum due improve the fico score. thanks, Al