FICO 827; need balance transfer. Open a new 0% /no fee BT Cc or BT to a card with 4% fee? Hi, the title says it all. I have many cards, utilizing maybe 1% of credit at all times but I have some chunky ($10k) charges coming up, due to paying for parents’ retirement vacation etc. I can pay off in a few months but to free up my “I need to pay this off right away” mentality, I was thinking of balance transfer (BT). So I’m thinking should…