<prompt> Human: I have a new credit card with a 17500 credit limit, and a 0 interest 1 year balance transfer available. On my mortgage, I have a 4.125 interest rate, but I also have PMI of 72month. I can get PMI removed at a 78 LTV ratio. In order to get to a 78 LTV ratio I need to reduce the principal by 15k more on the mortgage. I will then have a 78 LTV ratio, and can eliminate the 72month PMI, on top of saving on interest of mortgage since the balance will be 15k less. I can pay off the entire 15k over the corse of the year before the 0 APR runs out.By my calculations, doing this will save me 864 in a years worth of PMI. And 618.75 4.125 of 15k saved in interest from reduced mortgage principal. So it could save me 1482.75 vs just paying the 15k towards the mortgage over a year.Risks include not being able to pay the 15k off in a year and getting charged high cc interest on whatever is left and also I am assuming this will decrease my credit score since it will be a high credit utilization on this card for a whole year. What does everyone think?  <response>: Make sure you know the rules for PMI removal. Usually LTV isnt all, theres usually a requirement of so many payments or years or something. 