best way to use bt cards?

[revvystoke]

After being debt free for a few months my truck's transmission decides to crap out. Just a few months out of the warranty, luckily I can do the work myself but I don't have the cash laying around to purchase a new transmission for 3-4k. I have two cards with 0%, but they are low limits.

I opened a few new accounts in May and one in July. Should I transfer the entire balance to one card or split it up evenly to citi and discover? I don't want to risk aa from the new cards. 

[djc1puno]

Personally i would transfer it to one...depending on how close youll be to ur limit...paying one card would be easier and just pay it down to avoid spooking anyone.

[myjourney]

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@djc1puno wrote:
Personally i would transfer it to one...depending on how close youll be to ur limit...paying one card would be easier and just pay it down to avoid spooking anyone.

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+1 agreed but get UTL down so as not to seem maxed out on the BT card ASAP

[Scrounger888]

I'd split it to keep utilization down because overall your utilization should be ok. 0 % offers can be great.

I have a quick bt transfer question. Do the cards that you're paying off using the balance transfers ever suffer aa? I'd like to take advantage of a 0% offer but don't want to mess up existing cards because I have uses for them as they are points cards, just higher interest.