Balance Transfer to National City

I'm always looking for a good balance transfer deal - even now that all of my rates are fairly low. I called up National City to see if they had any deals going on. They offered my 3.99% APR for six months with no fee. I'm taking $3500 from Citi Card over to National City. Here's why:

Citi Card

• Balance: $3500
• Credit Limit: $4400
  
• APR for 6 months: 6.99%
• Estimated interest for 6 months: $112
• Initial Credit Utilization: 80%

National City

• Balance: $3500
• Credit Limit: $8250
  
• APR for 6 months: 3.99%
• Estimated interest for 6 months: $63
• Initial Credit Utilization: 42%

As you can see, both my finance charge and credit utilization are almost cut in half with this transfer. I'd love to see some improvement in my credit score, reducing the individual card utilization should help. Plus, that will be a little extra cash going towards the principal balance each month - snowflakes on autopilot from just one phone call. I should be able to have the full balance paid off within the 6 month time frame so this transfer is a win-win. Thanks NC!

Now its time to knock out my PTP loans!

Debt snowball target: Prosper @ 14.94%