Discover - 1632$/4500 (0% expires July 5th)
BoA BBR - 1711$/2000 (0% for 681$ expires Feb 18 2018, 0% for remaining balance expires May 18 2018)
BoA Cash Rewards - 1581$/2000 (0% expires Feb 14 2018)
BoA Platinum Plus - 1268$/3200 (0% on 238$ expires May 23, 0% on remaining expires Dec 23)
QS1 - 390/6500 but this card is paid in full.
Total Util on all of my cards are at around 23%
I currently have a 0% for 12 months with 3% fee on my cap one, Discover and BoA Platinum. I also have a 4.99% for 18 months with no fee on my Discover.
I was thinking about moving discover to cap one since it has no transfer fee then back to discover on its 4.99% offer in June before my 0% ends. Then I would also move the remaining of the Platinum to discover as well at that time. That way I can focus on getting the utilization down on the BBR and Cash Rewards. Is this a good idea? Or should i transfer around 1000 between Cash Rewards and BBR to get util below 50% on those cards
I have around 500$ extra a month I can throw towards the credit cards as well. What route should I take? Should I move the balances now or wait until June?
My credit scores are around 700 with 2 collections falling off in 2 years.
