Best way to maximize 0% intro rate purchases?

[frugal47374]

I have a payment of $15000 due in December. I want to put as much as possible on credit cards with a 0% intro rate. I can make partial payments. (And I will be able to pay off these cards when the 0% rate expires so you don't need to warn me about that.)

I plan to apply for the Citi Double Cash (0% for 15 months) as part of this plan.

My current Citi cards are:

Diamond Preferred $8800 CL

Dividend World $7300 CL 

Simplicity $7600 CL, $2500 balance 0% to Nov 2015

Thank You Preferred $7000

My FICO is 797.

So what is the best way to put as much of the $15000 on 0% cards?

Specific questions I have include:

Will Citi even grant a fifth card? (I am “never” using Diamond or Dividend at this point so wouldn't mind closing if needed.)

Would a CL increase request on Simplicity be more likely granted at current balance or a balance near the credit limit? Would doing this before applying for Double Cash make a difference in that application?

Again, my sole goal is to maximize my 0% balances. I don't care what it does to my FICO score over the next year.

[s_haliz]

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@frugal47374 wrote:

I have a payment of $15000 due in December. I want to put as much as possible on credit cards with a 0% intro rate. I can make partial payments. (And I will be able to pay off these cards when the 0% rate expires so you don't need to warn me about that.)

I plan to apply for the Citi Double Cash (0% for 15 months) as part of this plan.

My current Citi cards are:

Diamond Preferred $8800 CL

Dividend World $7300 CL 

Simplicity $7600 CL, $2500 balance 0% to Nov 2015

Thank You Preferred $7000

My FICO is 797.

So what is the best way to put as much of the $15000 on 0% cards?

Specific questions I have include:

Will Citi even grant a fifth card? (I am “never” using Diamond or Dividend at this point so wouldn't mind closing if needed.)

Would a CL increase request on Simplicity be more likely granted at current balance or a balance near the credit limit? Would doing this before applying for Double Cash make a difference in that application?

Again, my sole goal is to maximize my 0% balances. I don't care what it does to my FICO score over the next year.

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First and foremost you need a lender (Citi or other) who can grant you $20K or even higher CL. Then by putting $15K on that will bring your utilzation to about 75%. Really high but in your scenario I don't see any other option. Now if you get higher limit say $25K and higher, it will work to your advantage by bringing your utilzation down.....Your FICO score may get some hit...But that's the price you have to pay for. 

If I were you, I don't wait till December to start paying that $15K. Start by paying $1K each month and you are in your goal to completely pay-off. 

You have a pretty good chance to get approved for Citi Double Cash. However you may have to do recon. for higher limit. Others may picth in as I don't have exp. with Citi card(s).