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MBNA does currently have the option to transfer at 0%, and I am seriously weighing this now that MBNA is no longer my highest interest card. I do not consider a balance transfer a threat to my plans to eliminate debt as I have stopped using the cards altogether. In fact, I have long since cut them up into the tiniest pieces that I could manage and disposed of them.

Um, the only thing about the 0% BT to MBNA is that you have a large balance on there at 13.99%. If you transfer some amount on there at 0%, any payment you make to MBNA will go only towards the balance at 0%, and you will not lower the balance at 13.99% until the 0% balance is paid off.

If you could transfer the MBNA balance off to other cards, or pay it with your line of credit, then you could transfer the same balance back, or the balance from other CCs, to the MBNA at 0% without trapping the $7.2K at 13.99%. Just a thought.


--Booa
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