Incomplete list of credit unions that have cards with 0% B/T fees, in no particular order. Some have 0% APR promos, most don't, but I guess if you're not in a position to pay off all your balances every month, you might as well use CU cards since their interest rates are much much lower than banks.
There's also a funky card from Heartland CU (https://hcu.coop) that has no grace period for purchases and charges something like 4% for balance transfer fees, but the APR's at 5.9% -- perfect if you have to carry a balance month to month. Minimum monthly payment for this credit union's cards are 4%, not the usual 1-2%.
Some places like DCU will also let you refinance your exisiting auto loan, and if there is leftover market value of the car on top of what's left of your old loan, they'll give you that difference as cash. You can repay your card balances with that, get the credit score benefits of having a 0% utilization, and be left with lower interest car payments until everything's paid off. This route may be easier if your score/history prevents you from getting approved for new cards.
Disclaimer: this info is from research. I don't have loans or cards from any of them.
Starting Scores: No Scores (03/2018)
OP what are the other cards? Limits and balances? Interest Rates?
What interest rate are you paying on Discover?
$2k is an amount that should be relatively easy to tackle, even with a high APR. If your rate is 24%, that still only works out to $40+ per month for interest, so a 0% BT will save some, but you need to stay focused on paying what you owe now.
The risk with a BT card is, your Discover will be freed up to charge up again, so you may end up with even more debt overall.
The reason for asking about the other cards, sometimes there are opportunities to carve off some of a larger debt to smaller lower rate cards. Or pay off one of the smaller cards, and use that strictly for PIF, no carrying balances, then concentrate on paying the other two off with no new charges to those two.
What interest rate are you paying on Discover?
$2k is an amount that should be relatively easy to tackle, even with a high APR. If your rate is 24%, that still only works out to $40+ per month for interest, so a 0% BT will save some, but you need to stay focused on paying what you owe now.
The risk with a BT card is, your Discover will be freed up to charge up again, so you may end up with even more debt overall.
The reason for asking about the other cards, sometimes there are opportunities to carve off some of a larger debt to smaller lower rate cards. Or pay off one of the smaller cards, and use that strictly for PIF, no carrying balances, then concentrate on paying the other two off with no new charges to those two.
