What would look better? CC troubles

[Anonymous]

I have the AMEX Platinum and it's the card I usually use for big purchases and my terrible shopping habbits (I know) because I've come to notice it doesn't affect my util. Possibly because it's a charge card. So I had it up at 13K two months ago after a trip with my husband and AMEX set a hard limit of 13K (but it usually let me charge to approx. 15K) I lowered it down last month to 1K because my husband gets hefty bonuses divided into bi-yearly bons at the company he works at. When it arrived I used most of it to lower down the CC's we had, and the rest I stuck in our savings. Important to note too we have only one shared account, so all of our money goes to the same place.
Point is he made a purchase last week of 5K, bringing the balance up to 6K and some. I was a bit annoyed because I consented to the purchase but I didn't know how much he was going to add to the card, but I assumed maybe 1K. Important to note he has no CC's, we mainly use mine, he's an AU.
I don't want to pay down the balance again because between our month expenses and savings, I'd end up not being able to save as much as I always do. My husband is due for his second bonus on October, so we're fine in terms of payment but it's quite a long time from now. I know I should just pay it off now and save the rest of the bonus when it comes around but I am quite the spender so I prefer to see strain on the money lol
Now, I was recently approved the Citi DC with an CL of almost 15K and 0% APR on BT.
Should I leave it on the platinum with no effect to my util or should I transfer to save on the interest? I'm also stressed amex will see it badly that I leave balances on a card that isn't meant to have balances. Or, should I put 3K on DC and leave 3K on the plat? I am planning on applying to two more cards next month to up my available credit, you know, killing it all in the span of one month to leave my credit breathe for a while.

EDIT: The advice I'm asking for is how to go about with the BT's and the balance. I know I should pay it off, but I just don't want to stop saving cash to pay off the debt when what that opens me up is to: saving $0 over the course of 2 months, setting my savings back 6K and me possibly opening myself to spend close to that amount before his bonus arrives, therefore "losing" 6-12K in the process. When I could just leave the 6K overall balance untouched because I usually get deterred from using my cards when I see money on them, keep saving what I save monthly and pay off all of my balances on October when the money arrives. 

[CreditInspired]

Hi and welcome. 

Does your plat have “plan it”. If yes, go that route. Otherwise, AmX may not be happy with a partial pymt. 

[Anonymous]

From what I can gather, You have means to pay it now but that would maybe be cutting it close on finances?

I would pay off enough that you can right now on the platinum where it doesn’t affect your monthly finances. If you have to leave a balance, you could consider BTing it to the DC for 0 APR. But you will not get any rewards or hit any SUB from that. I would only recommend the BT on these conditions:

1. Pay off what you can with cash on hand now without affecting finances
2. Have enough credit available to keep total utilization on credit to 30% at most (6K on 15K = 40%)
3. Probably most important. Make paying of the BT a priority before spending on new things. If you don’t, you are gonna find a bigger hole than you started and that big bonus won’t be so much a bonus as a bucket to bail water out of the boat.

You say you are a big spender. I challenge you to be a big saver and pay it off before that bonus.

[Anonymous]

Doesn’t really seem like you have CC troubles. You can pay it off but you don’t want to.

[DebtJoe]

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@Anonymous wrote:
Doesn’t really seem like you have CC troubles. You can pay it off but you don’t want to.

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I'd have to agree here. I think I'd be exploring budgeting options vs opening more cards to pad your utilization (which most of the time just causes people to use more credit <------- Spoken from experience).

[UpperNwGuy]

Just pay it.  Then take it out of your wallet and lock it away so you won't be tempted to use it for a while.

[KLEXH25]

You have to plan based on your current income, not future income that is 6 months away and that may or may not happen. God forbid something happens to your husband or you. You’ve already spent the money. Pay down what you can to lower your utilization. In the end, the interest you’re paying is likely more than you’re earning with your savings anyway.

[mikesonthemend]

Welcome to MyFico.

[CreditInspired]

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@KLEXH25 wrote:
You have to plan based on your current income, not future income that is 6 months away and that may or may not happen. God forbid something happens to your husband or you. You’ve already spent the money. Pay down what you can to lower your utilization. In the end, the interest you’re paying is likely more than you’re earning with your savings anyway.

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+100

Thanks for saying what I was thinking but didn’t know how to say it. 

[Anonymous]

I thought the Platinum was a charge card, and are you not penalized for leaving a balance on it? 

Since Amex like Transactors, I would also suggest BTing some of it to the Citi DC during their 0% promo. At least Citi likes balance carriers a little more.