[debtfreeme]

One, I would call B of A and make sure that the amount of credit they will extend to you will cover the amount you want to transfer and not put you at risk of using more than 50% of the available credit on the new card. If it is less than you need to transfer the entire amount then transfer only what you can to make this new card have no more than 50% used, preferable 30% to keep your fico score ok, and to possibly raise it. It can raise it if you are using more than 50% of the current available balance on your old card because then the ratio of debt to available credit drops.

If you can only transfer part of it, do it, because then you can focus on paying off the higher interest rate first and you will still save money. BUT also make sure to find out that if you transfer XX amount of money, what the payment will be, and how it is calculated and make sure you can afford a minimum payment to the new card while paying off the old one. If that would take too much away from the old card and slow down the payments then forget the whole thing and just make sure to pay off the card faster.