- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
It sounds like your focus needs to go from bonuses and rewards to exterminating your debt ASAP. We talk more about rewards than avoiding interest and finance charges, but rewards are only supposed to be an afterthought.
Before we can help, we need to fill in a few gaps in the terms of your cards.
We need to know what your APRs are on each card, and if currently 0%, when the 0% expires and what APR replaces it.
We need your balance for each card.
Your limits we can see in your signature.
We need to know if any cards have special financing purchases in the balance. Some Amazon store card purchases might be included.
Generally, you want to pay off the card with the highest APR first. Special financing terms make the math a little more complicated.
Your post makes it sound like BofA won't require minimum payments between now and July 2016. I doubt that is the case.
The dollar amounts are still small. You can pay the cards off with only a little interest. I don't think a balance transfer would do much to help, and you have enough new accounts.
I'm more worried that a month ago you were talking about buying video games to meet minimum spend on Amex, without the ability to pay off your balances. That behavior has to change, and a balance transfer alone won't fix it.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech