First congratulations on your Citi double cashback MC creditcard approval. I would not take a balance transfer on your Citi creditcard because for example lets say you transfer 1K from card which has credit line of 3K then your UL will 33% on one creditcard with fico score of 670 that is going to kill your fico scores and ther banks may take AA action and Citi may not increase your credit ... More @Wikipedia
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