WHICH CARD TO USE? HELP PLEASE

[Anonymous]

So, I recently accumulated a hefty medical bill even with insurance and have been out of work for a month now due to my condition.  Unfortunately this is all happening in my last semester of college.  I would prefer to cough up the cash for my medical bills and charge my last two courses since they are only $730.  I intend to pay off the $730 over the next 2 to 3 months.  I would like to know which card would make more sense to use (i.e. which creditor won't mind a balance of this sort being paid over time).  I am still relatively new to this forum and learning the in's and out's of credit which is why I am asking.

Capital One CL $1250 -----8% usage

Citi CL $3500 0% APR until March 2019-------- 50% usage 

Discover It CL $3500 0%APR until June 2019 ----- 10% usage

American Express CL $10000 0% APR until August 2019 ($150 Statement Credit if $1000 spent in first 3 months)---------0.55% usage 

Chase CL $3600 0% APR until June 2019 ($150 Statement Credit if $500 spent in first 3 months)------------2% usage

All balances are being paid in full this month.  If you need anymore information let me know.  I hope you guys can help me with this one!

[simplynoir]

If you're going to pay it off in the next 2-3 months then the priority would be the SUBs on the AMEX and/or Chase cards and neither lender will care if you carry a balance of that size for a few months.

[Anonymous]

If you're going to PIF the balances in a month or two it doesn't matter much which card you use... pick whichever one will give the most rewards/bonuses.

But with 0% APR offers on all the cards, you don't need to pay it off right away... take advantage of the 0% and spread it out a bit... for the best utilization% the Amex has the highest CL so it will affect utilization the least.

But if it were me, I'd figure out which card will get you the best rewards and bonuses, and go with that one.

[Anonymous]

Don't use the $0 APR promos if you don't have to. Pay them off.

[Meanmchine]

Anyone except the Cap1.  You would be over 50% util even tho it would be for a short time

[marty56]

If it were me I would use my least favorite card since if they decided to do AA, it won't mater.  I would also call them and let trhem know that your are going to make a big charge and when you plan to pay it off too.

[HeavenOhio]

There should be absolutely no issue with AA on any of the OP's 0% cards. Depending on the card, she'll be using between 8% and 21% of its limit.

[Anonymous]

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@marty56 wrote:

If it were me I would use my least favorite card since if they decided to do AA, it won't mater.  I would also call them and let trhem know that your are going to make a big charge and when you plan to pay it off too.

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What's an AA?

[HeavenOhio]

@Anonymous, AA = adverse action, e.g. a credit limit decrease or closure of the card. Your plans would put you nowhere near danger of that. Your plans are to carry a responsible balance and pay it quickly.

Put the charge on the 0% card that works best for you.

[Anonymous]

Like others have said, if all balances are being paid in full this month(did I read the correctly?), then put it on the 0% card that works best for you.  I'd say use it on the AMEX being you have to spend anyhow to get your bonus, but if you're paying off all the balances this month, I'm guessing you put a lot of spend on the cards and getting that bonus wouldnt be a problem anyhow?