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So here is my situation: I have about $11,500 on my Bankamericard Mastercard at 9.9%. I did a BTF about 2 years ago and have paid a good chunk of that, but have incurred some purchases over the last year that were necessary when I didn't have excess cash. At any rate, I applied for both the PenFed Promise Visa and NFCU Platinum Visa because they both have no fees and good rates. I was approved for both! The PenFed Promise was given a limit of $12K and the NFCU Platinum Visa was granted a limit of $14K, which brings my total available credit to $76K. However, NFCU is the one that is going to process my large BT because they asked for the info while doing the app. My CONCERN is that if I transfer an $11,500 balance to a $14K card that my score will take a hit. My overall credit card utilization will be low, but this card will be at 80% of its limit. What are you all's thoughts??? Will my score be affected how I think it will be? Or no?