Need opinions please

[keyana4]

Hi everyone, Please let me know what you think my next course of action should be. I just got approved for a discover card with 0 apr for 18 months on balance transfers with12,500 credit limit. 

Here are my stats----- fico scores range from 700-740.... no baddies

NFCU Go rewards 15.15 APR   16, 000 credit limit     balance 15, 900

NFCU Cash rewards 11.90 APR  15, 100 limit             balance 5, 700

Best Buy       27% APR    12,000 Limit                            balance 0

Jet Blue card 17.49% APR       5, 600 limit                    balance 149

BOA    25.24% APR   1,000 Limit                                     balance 0

Capital 1     25% APR  2,250 limit                                  balance 0

Paypal 29% APR      2,000 Limit                                     balance 0

Target    25.15% APR   1,100 limit                                 balance 150

Amazon   28.84% APR 1,100 Limit                               balance 0

Walmart  25.15% APR 1, 100 Limit                             balance 0

My question is should I just max out the discover with a balance transfer of 12,500 from my NFCU Go rewards? The high utilization on that card is killing me.  

Thank you in advance for your response.

[HeavenOhio]

Welcome, @keyana4.

Yeah, I'd do the transfer. But I'd stop short of 12.5k. You can transfer 12k and avoid being at your limit. Or you can transfer 88.9% of your Discover limit ($11,111) and not have a maxed out card. (Maxed is defined by FICO as being at 90% of one's limit or above.)