No. of Recommendations: 1
One other thought is that you may or may not receive a large enough credit line to transfer all of your higher interest debt. So you might just end up shuffling a fraction of it around. That would be of minimal benefit, especially weighed against the impacts of the new account and a hard inquiry on your credit report.

Whatever you do, keep the card at 3.9% for life separate from any consolidation plan you put into effect.

I had good luck playing the BT/consolidation game when paying off my cc debts in 2005-2007. At one point I had all of my CC debt below 3%. Back in those days, BT fees were capped at just $50-$75 per transaction. It's become harder over the years, as BT fees are now usually 3% of the transfer.
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