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Here is another one for the number crunchers... at what Discover balance is the $75 fee worth it to BT for 5.99% till 1/2010 (assume the new balance will still be under 90% utlization). I was thinking at $8k I would BT just under $2k.

As always, it depends - on how much you will transfer and how long the rate will have to run at that point......Using the $2k transfer you mentioned - $75 is 3.75% of $2k. So, if you are transferring for 1 year (in 1/09), it would add about 3.75% to your BT rate, for an effective 9.74% rate. If you are transferring for 2 years (in 1/08), it would add 1.875% to your BT rate. If you are transferring for 2.5 years (in 7/07), it would add 1.5% to your BT rate.

Most of your debt is currently at higher rates than even the 9.74% effective rate you would get from a 1 year transfer, so it would probably be worth it regardless if you still have similar rates in place at that time.

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