So am I correct that you are asking about doing a BT in order to move debt from higher APR card(s) to lower APR card(s)? Well, umm, this should be obvious, but if you're moving debt to lower interest cards, and you keep making payments on time, where is the downside? You said you could have it paid off in a year with a 0% rate, right? What's the APR now? 15%? 20%? More? If you move the debt to an 8% or 10% card, then you might not have it paid off in a year, but it will certainly be paid off sooner?
I guess I'm still not getting your dilemma or concerns.
And Citi has been known to waive that BT fee.
First, who says you have to get just 1 card? Second, even if it won't all fit on one card, you can move whatever size chunk will fit. Citbank has a bunch of cards with a $250 fee cap on BT, but they have some with $75, and the last time I checked they have 4 with no fee on BT under the 0% offer These were all the Citi Professional cards, and the Home Rebate Card. Discover has 0% for 1 year with a $50 fee cap. Plus, what kind of stuff are you getting in the mail? I got my first Citi cards a few years ago, and at that time, they didn't give me the whole CL they were willing to give me in one shot. I got 1 card, and then another, and that got me the entire limit they were willing to give me at that time. I don't see how a 731 FICO is going to be any kind of holdup for getting enough CL, your income will probably factor into that part of it more heavily.