Thanks for your responses,
My situation is not that bad. I haven't pay any interest to any issuer so far. On June, Discover offered me a cash back bonus for $250 if I used $1,500 each month from July to December. I've been successful in maintaining that expense and paid it full every month. One thing I forgot in my math is that my tuition is due in full in Jan, 14. I still have a couple months of free interest on Amex but my school does not take Amex. So I charged it on Discover and it made this balance way higher than it supposed to be. I can pay it full but doing that will make my checking account's balance go lower than $1,500 and Chase will charge $35 monthly fee for that.
The balance I'm about to transfer is only $2,000, so the fee might be $40. $40 for the whole year to make payments I think it's worth it. Also, my investment will yield a bigger amount if I hold it for another year.
I can totally apply for a new card with free interest to pay for my tuition but I'm afraid they will flag me as "rate surfer" as someone mention in this forum sometimes ago. So, paying $40 for them once in a while may worth it
@samhrad: Thanks for your patience to figure out what I was trying to say. English is not my first language, so I have so many ESL issues. That's also the reason why I have to do the disclaimer though. I'm working on perfecting it. Thanks so much for your help!
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.