My official fico scores are 798, 799, 789
I got the Citi Simplicity card a couple of years ago to cover the expenses related to my mom's funeral. The balance is still pretty high at $6000.
When the time came for the free introductory 0% to end, I just paid the balance off with my emergency savings, waited a week and then did a balance transfer offer so that I had the money back in my emergency savings.
Well the balance transfer 0% interest is about to end again, and I'm trying to figure out if I should do the same thing again, as I just can't afford to spend all of my emergency money right now.
I can either
1. have 0% until March 2020
2. have .99 interest til May 2020
3. have 1.99 interest til May 2021.
Currently I am paying no interest (I do not use the card) other than the offer fee of 5% each time I do this.
I hate paying interest, but am tempted by the 5/21 1.99% just so I don't have to worry if somehow I won't have a balance transfer offer in March 2020.
I'm just curious if others had thoughts on what I should do. Again, I do not use the card, I am fortunate enough to have the Citi DC. 
Thanks!
Go with the May 2021 offer. If the BT fee is 5% up front, then you want to extend as long as possible at a lower rate than that 5% else you end up paying 5% on a sum later.
Sometimes it helps to sit down and work out the math on what you would actually have to pay in interest (plus the BT fee) over the length of the promotional period.
For the 0.00% offer - payments of $667/mo to pay it off in the 9 months. You'd pay $300 interest and fees.
For the 0.99% offer - payments of $503/mo to pay it off in the 12 months. You'd pay $332 interest and fees.
For the 1.99% offer - payments of $255/mo to pay it off in the 24 months. You'd pay $425 interest and fees.
So you see, compared to the initial balance transfer fee, you're actually paying very little in interest with any of these offers. So you simply need to decide:
-whether or not it's worth $32 for your monthly payments to be $164 less every month
or
-whether or not it's worth $125 for your monthly payments to be $412 less every month
I think the answer comes down to whether or not you're living on a tight budget. If you are, then probably the 1.99% offer is the best idea. But if you have plenty of wiggle room in your monthly budget, then pick the 0.99% offer.
If you can't afford $667/mo payments on this balance, then the 0% offer is a bad choice, in my opinion.... you'd only be saving $2.66 or $5.20 each month in interest, while your monthly payments would be $164 or $413 higher. The 0% offer really only makes sense if you have plenty of extra money in your budget every month to cover the high monthly payments that would be required to pay it off in time.
And you REALLY want to pay it off before the promotional period ends, because otherwise you'll be stuck doing another balance transfer again and paying another 5% fee again.
The $300 you're paying every time you move the balance to a new card is MUCH more costly than the interest you'd be paying with any of these offers.
Total Loan Balance: $43k / $65k
Total SL: $78kAlternatively, you could save a bunch of money by getting a new card with no balance transfer fee.
Both the Amex Everyday Rewards and the Chase Slate offer 15 months of 0%, with no balance transfer fee or annual fee. That would save you $332 versus 12mo 0.99% (w/ 5% fee).
You could get the Chase Slate now, and the Amex Everyday in 15 months (or the other way around), and you'd have 30 months to pay off your balance with absolutely $0 cost.