BT now or wait

[ShiningDown]

How often does Discover and US Bank offer a BT for existing card holders?  Now US Bank is offering 7.9 for 12 months and Discover is offering 5% for 12 months. I need a BT by August for 2000 should I just stay where I'm at and wait four months for another BT offer or take one of these offers now. My 2000 debt is sitting on a 0 BT until August?  

[LS2982]

---

@ShiningDown wrote:

How often does Discover and US Bank offer a BT for existing card holders?  Now US Bank is offering 7.9 for 12 months and Discover is offering 5% for 12 months. I need a BT by August for 2000 should I just stay where I'm at and wait four months for another BT offer or take one of these offers now. My 2000 debt is sitting on a 0 BT until August?  

---

I think i'd wait to see if a better offer comes. Barclays is flooding me with offers!

[ShiningDown]

I think I will wait it out, thanks!

[FocusedAndDetermined]

I would wait, you may get an offer from Slate, which is offering 0% and 0 transfer free for 15 months.

[ShiningDown]

I have to use Discover or US Bank because I already have cards with them. My scores are low and I have high utilization and inquiries.