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For the past two years I've been working to pay down my debt on 4 credit cards.
Card Bal APR
Citi $2225 22%
Cap1 $ 850 23%
WF $2175 27.79%
Disc $4300 23%
I've asked for rate reductions with no luck. I did have a hardship program w/ Disc that expired in Jan 12.
I did just speak w/ a Disc rep and I'm elligible for a balance transfer. I have two options:
1) 0% APR on balance transfer for 18 mo. w/ a 3% transaction fee, OR
2) 4.99% APR on balance transfer for 24 mo w/ no transaction fee
I'm thinking that I should transfer my WF balance to Disc since that's the highest APR at 27.79%
Thoughts?Thanks in advance!