Balance transfer

It’s with PenFed and it’s a low interest rate. It was 20,000 that I got and I paid off 90% of it so I have like four 4000 left to pay, but the interest rate was low.

I’m gonna check my right now, but I know it was low. It wasn’t high.

Great. If I were in that situation, I would not do a balance transfer. Reasons: (a) The balance is low and can be paid off quickly (b) The interest rate is low, which won't amount to a significant cost (c) the balance transfer would likely have a fee of 3%-5%.

I'd just make it my focus to pay off the $4,815.77 within the next 1-4 months (the sooner the better), then celebrate 🎉

Glad to help! Of course Citi wants you to use the $14.8K line - a huge part of their revenue comes from consumers carrying debt on their financial products and paying interest. My vote would be to keep the card open as long as it has no annual fee and do nothing with the credit line (other than an occasional transaction every 6 months or so to keep it active). That way you're the one who wins by: (a) building credit history long term and (b) lowering your overall utilization by having a decent-sized line that's unused.