Unless you are applying for new credit in the next few months, it would be a wise move to transfer the balance to lower apr to save money in interest! Even if you have a small score drop, you will be paying off more debt faster which will increase score higher!!!!!! Score might drop sharply during the transfer because you might show a double balance for 30 days. Just ignore if this happens because when the old cards report balance $0 from transfer score comes right back.
