What's your credit score at right now? Do you have any other accounts or lines of credit open? Any delinquencies?
[2/2019]
Since I just applied for the QS card, I'm hesitant to open ANOTHER BOA card so soon. I'm concerned about what that might do to my credit scores. Once I get the card and see the CL, I will know more, I guess. I just don't want to get a new card and max it out with a BT.
I bank with a CU here, so I'm wondering if I shouldn't just try and do a loan through them and pay down the cards so they can then be used appropriately (PIF each month).
Being an adult is no fun! 
@Anonymous wrote:I called BOA today to try and get a lower APR. He said he was unable to do that, but because of the age of the account and my "preferred customer" (wink wink) status, he could go ahead and get me signed up for a rewards card. I assumed he would just update the existing card to that, but he said no. I would have two cards from BOA. He wants me to open a new account, use it as a BT card for my other CC accounts. He then suggested that once I transfer their balance (other bank) to BOA, I then transfer the existing BOA balance to the other bank (after possibly negotiating a lower rate). It sounds like an easy way to run up my utilization while assuming another bank my give me a lower rate when BOA would not. I can see how people can get themselves into a mess quickly.
I told him I'd get back with him later once I put some more thought/research into it. I have had the same cards for ages (oldest account, BOA, 15yrs) and just recently applied for a C1 QS. This is all new to me. Trying to find a less complicated way to build credit and pay down these CCs with as little interest as possible.
It's just a con, to get you to apply for another credit card; don't do it.
How long would it actually take you to pay down the balances? And what's the interest rate? Cause you still have to pay a fee to balance transfer, so if it'll only take you a matter of months to have it paid off, you may not be saving that much money.
Opening another card won't really hurt your score whether it's with BoA or anyone else. Sure, the inquiry and AAoA might give you a temporary drop, but it'll recover soon after.
The issue with taking out a loan is that would give you incentive to drag out that loan. While it probably has a lower interest rate than your cards, I think it'd be best to simply pay off the cards as soon as possible. Also, you can call C1 to find out your CL and process the balance transfer.
Sounds like the representitive that you were talking to was a smart buisness class banker. The only issue is that his solution was better than your original request.
Original request:
Lower the APR on my existing card.
Solution:
New account to lower APR to 0% for 15 billing cycles (Bankamericard).
Balance transfer existing BoA balance out of BoA to another bank.
Balance transfer all other banks balances in the 60 days of $0 fee including the balance that just left onto the new card.
I think you got the balance transfer order mixed up. You have to remember that BT's can only happen from another bank. It does not make sense for BoA to allow a 15-30% APR to become 0% just by moving credits around internally when they would rather you pay the higher APR.
