[quote=Blissful Ignoramus][quote=davelj]This is the price you pay for financial gamesmanship. [/quote]

You’ve got it right here, in a nutshell.
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I totally agree with this statement though. That’s why if you want to do things like this and don’t want it to affect your credit, keep the balance to limit ratio to below 30%. If you have $170k in credit limit, getting a $50k in 0% balance transfer wouldn’t affect much.