https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2229517#M623758 Bump Tue, 18 Jun 2013 08:01:39 GMT Anonymous 2013-06-18T08:01:39Z https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2227317#M622954 <P>I've been a USAA member for 30 years and have 3 credit cards with them, MC, Visa and AMEX with limits over $10,000 on each and utilization below 10%.&nbsp; My interest rates are at 13.9% and I wanted to get a lower interest rate so I called to see what they could do.&nbsp; The representative told me that in order to get a lower interest rate I would have to apply for another card.&nbsp; I told her I didn't want another card just a lower interest rate and she told me that was the only way to get one (which seems to be weird.&nbsp; Has anyone heard of this policy?).&nbsp; So, I let a couple of weeks pass by and decided to look on the website and I saw an invitation for $0% interest for 12 months.&nbsp; I have a Capital One card with a balance of about $2,800 with a 18% interest that I have been paying down for the last two years so I thought I would try and see if I could get another card and just transfer the Cap 1 balance.&nbsp;&nbsp;&nbsp; So I applied and was offered a card with $500 and 9.99 interest rate (my thinking was that because I had the other 3 cards the limit was low).&nbsp; Well, that wasn't going to work with my plan so I called and talked to them, told them what I was trying to do and they raised my limit to $5000.&nbsp; So, I've already put into the works to have the Cap 1 balance transferred.&nbsp; My question is, I have a couple of store cards (too tempting when they give you discount to open - I know dumb if you can't pay them off immediately) with small balances and I was thinking was transferring those amounts to that new card which will bring the utilization on that card to about 90%.&nbsp; Do you think that will hurt my fico score if I do that or is the utilization score calculated on your enitre debt vs. credit limit?&nbsp;</P> Mon, 17 Jun 2013 19:08:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2227317#M622954 texamel 2013-06-17T19:08:42Z https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2229517#M623758 Bump Tue, 18 Jun 2013 08:01:39 GMT https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2229517#M623758 Anonymous 2013-06-18T08:01:39Z https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2229583#M623777 <P>keep your utilzation at 89% or lower on each card--remeber usaa charges a 3% bt fee or 200 total which ever is less for EACH transfer!</P> Tue, 18 Jun 2013 11:17:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/USAA-0-Transfer-for-12-months/m-p/2229583#M623777 coachmiff 2013-06-18T11:17:07Z