One of my cards, the BOA visa signature currently runs an offer on balance transfer and I wanted to move about $7000 to that card. The credit limit is not reported by BOA (Currently 15K) but card reports maximum past balance and minimum payment amount. The question is - how my FICO is going to be affected if I transfer balance to this Visa Signature card. Will new balance become "hidden" from FICO algorithms or total utilization is going to be calculated based on maximum past balance that is reported (that would be strange). Anybody can help and clarify?
