Need to know if maxing out available credit line on one card to take advantage of 2yr low rate offer will hurt me more than spreading high APR balance to other cards that don't offer as low of rate?
Yes it will max your card out at 100%,it will save you money which you could use to pay it down.or save it and every couple months pay extra.
It depends on if you are more interested in saving money or improving your credit score. If you're not too worried about your credit score and have no intention of making a large purchase in the near future that will rely on the strength of your credit score, then maxing out the card with the great rate may be the best way to just save on interest and pay down your principal balance faster. Of course, maxing out the card will hurt your credit utilization, which accounts for 30% of your FICO score and will drive you score down. Remember that any savings you enjoy could be easily wiped out by less favorable terms and higher interest rates if you do have to apply for a home/auto loan in the near future.
Save money. That is the biggest thing. Credit scores are worthless unless you need them for something and so long as you prepare, you can always move things around to bump it given a month or so.
