Vermonster wrote:Highest right now is 18.99% on Freedom and lowest is 15.99% on CSP. We've recently had to carry a small balance the last few months so I'm thinking it is time to look for a 0% offer to do a BT.
That sounds like a good idea. The rewards can be great for PIFers, but those are awful cards for carrying a balance.
Have you had to take any URs as a statement credit? It would be a waste to use rewards that way, but I'm not sure if carrying a balance on those cards would really be any better (unless you use the points for necessary travel).