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sammywhammy1212

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recently got a credit card with 0%APR introductory but now i can get a better card
i've only had the b.o.a card for about three months, after the zero introductory period of fifteen months it goes to 18.99. but i can get the discover it with a zero intro that will go to 12.99 to 15.99 after the year. would it be smart to transfer the balance from the card i have to the discover for lower interest? can i even do that during the intro period? thanks.

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If you have good credit now and low utilization (and since you are getting these offers I will assume so), the answer is yes to all questions.  I do this all the time.  Just don't close out the ones you pay off, but use them once a year for a tank of gas, then pay it off the bill before the interest hits.  This way you'll keep the good history and utilization information which helps drive up your credit scores.  Nice thing about Discover IT; they give you your FICO score with your statement, which is really cool.  Kudos to you!

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